Chase (Pick up to 5 cards)
Chase will check a rolling 24 month period in the past where no more than 5 new cards can be opened at ANY BANK, this is known as the 5/24 rule. Chase will only allow 5 personal cards to be opened before auto denial of all applications. Therefore Chase must be utilized first before any other bank.
The 2/30 rule says that you can only have two applications every 30 days or else you’ll automatically be rejected. Chase will only give one bonus every 24 months, or 48 months for Sapphire Product.
Refer to your credit karma report and keep track of when cards fall off the 24 month rolling period. This includes being added as an authorized user to someone’s account.
|Name Of Card||Bank||Link||Disposition/Use|
|Sapphire Reserve (CSR)||Chase||Public Link||Annual $300|
|United Club Card||Chase||Public Link||United Club Access|
|Bonvoy Boundless||Chase||Referral Link||Upgrade to Ritz|
|Freedom||Chase||Referral Link||Upgrade to CSR|
|World of Hyatt||Chase||Referral Link||Annual Free Night|
|Freedom Unlimited||Chase||Referral Link||Upgrade to CSR|
|Southwest Priority||Chase||Public Link||$75 Credit, 7.5k Miles|
|IHG Premier||Chase||Public Link||Free Night|
Submit a request for SCRA/MLA benefits on the secure messages when you get the card. Annual Fees are waived on the personal cards only for service members, their spouses, and dependants. All subsequent new applications will be automatically considered once approved. Most often the waiver of fee letters come before the actual card!
American Express Charge
AmEx has a 5 card limit on personal cards, and no limit on charge cards. You can upgrade a personal card after one year. Business cards have no minimum time limit on when they can be upgraded. Often I have upgraded to a Platinum days after getting the bonus.
|Platinum Charge||Direct Airline Booking||$500||Referral|
|Gold Charge||Groceries, Upgrade to Pt||$500||Referral|
|Green Charge||Upgrade to Pt||$500||Referral|
|MS Platinum Charge||Direct Airline Booking||$500||Public|
|CS Platinum Charge||Direct Airline Booking||$500||Public|
|AP Platinum Charge||Direct Airline Booking||$500||Public|
|Business Platinum||$5,000+ Buys, 35% Refund||$400||Referral|
|Business Gold||$5,000+ Buys, 35% Refund||$400||Referral|
|Business Green||$5,000+ Buys, 35% Refund||$400||Referral|
American Express Credit Cards
|Hilton Honors Aspire||All Hilton||$500, 1 night||Yes|
|Hilton Honors Surpass||Upgrade to Aspire||$500, 1 night||Yes|
|Hilton Honors||Upgrade to Aspire||$500, 1 night||Yes|
|Marriott Bonvoy Brilliant||All Marriott||$300, 1 night||Yes|
|Marriott Bonvoy Business||Replace W Brilliant||35k Night||Yes|
|Delta Reserve||All Delta||Comp Pass||Yes|
|Delta Reserve Biz||All Delta||Comp Pass||Yes|
The following are AmEx credit cards, both business and personal count towards the 5 card limit. You can apply for the same card twice, but will not receive the bonus the second time around.
I am developing a new site at www.thepointscommander.com
Here you will have a separate “instruction” for each card.
It is up to you to find the best link to use for the best offer, it might not be found here. You are free to use the referral link to send points to support the site, or the public link. Not all products have a referral link.
|Instruction||Product Name||Referral Link||Public Link|
|1000.1||Chase Sapphire Reserve||Link|
|1000.2||Chase Freedom||My Referal||Link|
|1000.3||Chase Freedom Unlimited||Link|
|1000.4||Chase United Club Card||Link|
|1000.5||Chase Bonvoy Boundless||My Referral||Link|
|2000.1||U.S. Bank Altitude||Link|
|3000.1||Hilton Honors Aspire||Referral||Link|
|3000.2||Hilton Honors Surpass||Referral||Link|
|3000.4||Marriott Bonvoy Brilliant||Referral||Link|
|3100.1||AmEx Personal Platinum Charge||Referral||Link|
|3100.2||AmEx Personal Gold Charge||Referral||Link|
|3100.3||AmEx Personal Green Charge||Referral||Link|
|5000.1||MS Platinum Charge||Link|
|5000.2||CS Platinum Charge||Link|
|5000.3||AP Platinum Charge||Link|
|5000.4||AmEx Business Platinum||Referral||Link|
|5000.5||AmEx Business Gold||Referral||Link|
|5000.6||AmEx Business Green||Referral||Link|
How To Meet Spends
The website called plastiq is the best way to pay rent, childcare, tuition, and domestic workers such as landscapers for their work. Use this link or my code 674873 to sign up.
Organic spending is the best way to meet spend. If you do a lot of online shopping it may be worth using a portal site like top cash back or ebates (rakuten) to earn cash back when doing your normal shopping. I use cashback monitor to see which one offers the best deals.