Credit-card situations
What should I do in my situation?
Start with a situation like yours. See what changes the answer, which cards to skip and whether to apply now or wait. Then use your own cards in ApplyOrWait.
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These are example profiles, not personalized recommendations. The same ranking method is used in the planner. Rankings never depend on compensation. Each approval and welcome bonus is the issuer’s decision.
I had Citi Premier years ago. Can I get the Strata Premier bonus again?
Closed cards still matter to the current welcome-offer terms.
I've already had Ink Business Cash. Can I get Ink Unlimited, or which bonus should I go for next?
A new business identifier does not erase your no-fee Ink history.
I'm at 4/24. Which business card won't use up my last Chase slot?
Check personal reporting as well as business eligibility.
I just opened Wells Fargo Active Cash. How long should I wait for Autograph Journey?
A recent opening can matter even when the next bonus looks attractive.
I can only spend $500 (or $1,000). Which card bonus can I actually earn?
Compare $500 and $1,000 budgets, with a simple-card option and no annual fee.
I have a small side business. Can I get a business card bonus, and which one?
Business scope expands the comparison only when you qualify.
My spouse already has the good cards. Should I be the one to apply next?
Use the applying partner’s account and bonus history.
I'll drop below 5/24 in a couple of months. Apply elsewhere now or wait for Chase?
A personal card now can delay the Chase application you actually want.
I'm over 5/24. Which cards can I still get?
Over Chase's 5/24 limit? Bank of America, Wells Fargo and Citi cards are still open. Current cash bonuses, each bank's own rules, and what to skip.
I have Sapphire Preferred. Can I still get the Sapphire Reserve bonus?
Holding Sapphire Preferred no longer blocks the Reserve bonus by itself. Chase's per-card rule, the 100k offer, the $795 fee math, and what to skip.