My 2 Year Roadmap

I made a excel file 2 year timeline for this article. Check it out if you want to figure out your own situation.

Four factors have made me reassess my churn game:

  1. Excess awards inventory without increase in time off results in possible expirations of benefits before utilization
  2. Chase and AmEx are getting tired of my shit
  3. Need to study for the GRE to get into specialty
  4. Need to stagger who holds a clean 5/24 slate for future MLA waived Chase Products
  5. Must hold on to my anchor card to keep credit history old (my dear old BCP)

My churn game has become weak, I got so side tracked with Avios and initial bonuses, that I lost sight of what is important. If we are to do this correctly we need to have an end point where we hold on to high reward products while enjoying the fee waivers. We need to be more selective on what future cards to get. Each card that we hold on to should:

  1. Pay dividends in the form of Annual statement credits
  2. Pay dividends in the form of free hotel nights
  3. Give travel benefits such as lounge access
  4. Have an annual fee waiver for AD Military

The current Chase products that have annual perks are:

  1. Chase Sapphire Reserve: $300 Travel Credit
  2. Chase United Club Card: Star Alliance and United Lounge Access
  3. Chase United Explorer Card: 2 free United Club Passes for friends
  4. Chase Marriott Plus Card: 1 free night 35,000 points
  5. Chase Marriott Card: 1 Free night cat 1-4
  6. Chase IHG Card: 1 free night
  7. Chase Hyatt Card: 1 free night
  8. Chase Ritz-Carlton Card: $300 flight bonus

The current (and future) AmEx products:

  1. AmEx Delta Reserve: First Class Companion Pass
  2. AmEx Delta Platinum: Coach Companion Pass
  3. AmEx Hilton Aspire: $250 Resort Credit, $250 Flight Credit, Free night
  4. AmEx Hilton Ascend: Upgrade to another Aspire
  5. AmEx SPG Luxury Card: $300 Hotel Credit, Free night
  6. AmEx SPG Business Card: Free Night
  7. AmEx SPG Personal Card: Free Night
  8. AmEx Platinum Biz: $200 Flights, 10 GoGo
  9. AmEx Platinum Personal: $200 Flights, $200 Uber, Boingo WiFi

Other Cards Issuers that have perks are:

  1. US Bank Altitude card: $325 travel credit and Andre Harper Subscription
  2. Bank of America Alaska Airlines: $99 annual companion pass
  3. Citibank AAdvantage Executive: 10 memberships to Admirals Club (No MLA Waiver)

A note regarding Chase Business cards is they will not be waived per the MLA, so other than the huge signing bonus they do not fit with the model of sustainable rewards dividend payouts. If you are new to churning it may be worth going in branch and applying for your own Ink Preferred or us my brother’s referral link here.

My poor impulse control is quite real, so I sat down and calculated out my moves for the next two years. I first went into all of my AmEx accounts and checked when each product was opened. This way I could check to see when I could product change the card from the lower product to the higher product:

Credit Card Product Month Year
Blue Cash Preferred® 1 2006
Gold Delta SkyMiles® (closed) 10 2014
Amex EveryDay® Preferred (wife) 5 2015
SPG Personal (closed) 7 2015
SPG Personal (wife) 9 2015
Hilton Honors Ascend Card (closed, was surpass) 4 2016
Reserve Delta SkyMiles® 7 2016
Platinum Delta SkyMiles® (Wife) 11 2016
Starwood Business Card 10 2017
Hilton Honors Ascend Card (wife) 11 2017
Hilton Honors Aspire Card 2 2018
Platinum Delta SkyMiles® 3 2018

I did the same with my AmEx Credit accounts:

Charge Card Product Month Year
Platinum Card® 6 2014
Business Gold Card® (Now Plat) 8 2014
Platinum Card® (Wife) 10 2014
Mercedes-Benz Platinum Card® 9 2015
Mercedes-Benz Platinum Card® (Wife) 11 2015
Premier Rewards Gold Card (Now Pt) 7 2016
Premier Rewards Gold Card (Now Pt)(Wife) 7 2016
Business Platinum Card® DerpReport 12 2016
Schwab Platinum Card® 2 2017
Schwab Platinum Card® (Wife) 3 2017
Morgan Stanley Platinum Card 4 2017
Morgan Stanley Platinum Card (Wife) 4 2017
Business Platinum Card® DerpReport 6 2017
Green Card 10 2017
Ameriprise Platinum Card® 10 2017
Ameriprise Gold Card® 3 2018

Then I looked at my Chase accounts and came up with this road map:

Month Year
Me: Drop Delta Reserve for SPG Lux 8 2018
Me: Upgrade SPG Biz to SPG Lux (or drop & Change) 10 2018
Me: Product Change Green to Pt 10 2018
Me: Product Change Gold to Pt 10 2018
Me: Product Change Delta Plat to Reserve 3 2019
Wife: First Card Drops From 5/24 7 2019
Wife: Apply For United Club Card 7 2019
Wife: Second Card Drops From 5/24 7 2019
Wife: Apply For CSR 7 2019
Wife: Third Card Drops From 5/24 9 2019
Wife: Apply For 2nd Chase Hyatt Card 9 2019
Wife: Fourth Card Drops From 5/24 10 2019
Wife: Apply For Marriott 10 2019
Wife: Fifth Card Drops From 5/24 12 2019
Wife: Apply for Freedom 12 2019
Wife: Drop Everyday Prefered for SPG Lux 4/5 1 2020
Wife: Upgrade SPG Personal to SPG Lux 4/5 2 2020
Wife: Apply For Hilton Aspire 5/5 3 2020
Wife: Upgrade Ascend to Hilton Aspire 5/5 4 2020
Wife: Drop Delta Platnium for Reserve 5 2020

You can see that I got a whole lot of shit to do. After that my wife could apply for her own US Bank Altitude card for another $325 annual few credit under MLA waiver. I should also consider dropping the non MLA waived Chase cards like the multiple Marriott Cards that my not be useful in the future. Each move I will have these AmEx Cards:

Month Year My AmEx Holding Wife AmEx Holding
8 2018 SPG Lux, SPG Biz, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
3 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
9 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
9 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
12 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
12 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
1 2020 2x SPG Lux, Delta Reserve, Blue, Aspire SPG Lux, Delta Pt, SPG Per, Ascend
2 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, Delta Pt, Ascend
3 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, Delta Pt, Ascend, Aspire
4 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, 2x Aspire, Delta Plat
5 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, 2x Aspire, Delta Reserve

Then we would reset on the 5/24 on different dates. My wife will have to wait till May of 2022 and I get to start my Chase churn on March 2021. That is so far into the future I can only guess what will come, perhaps SPG/Marriott/Ritz-Carlton/Hyatt/Hilton will finally have a singe points system!

If all goes well, then in May of 2020 I will have these annual perks over all my cards:

Flight Credit Hotel Credit Travel Credit Uber Free Companion GoGo WiFi Free Room
13x Per Plat $2,600 $2,600
3x Biz Plat $600 30
2x Ritz $600
2x CSR $600
4x SPG Lux $1,200 4
2x Hyatt 2
5x Marriott 5
2x Delta Res 2
1x Alaska 1
1x Altitude $325
3x Aspire $750 $750 3
1x IHG 1
 Sub tot: $4,550 $1,950 $925 $2,600 3 30 15
Total $10,025

So annually we are looking at $10,025 in benefits, 3 companion passes, and 15 free hotel nights. This should cover my travel for the rest of my time on AD. Any suggestions? Comment below!

-Derp

3 Responses to My 2 Year Roadmap

  1. Pingback: Chase Marriott Upgrades Offers | The Derp Report

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