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Credit Cards Just moved in together - which CCs?

Discussion in 'questions. answers. conversations.' started by Ollie, Apr 9, 2018.

  1. Ollie

    Ollie Reader

    My girlfriend and I live together, and we're trying to figure out which credit cards to use, as we're beginning to combine our finances. Here are our current cards:

    - Chase Sapphire Reserve
    - Chase United Explorer (mainly used to maintain MileagePlus status with PQD waiver)
    - Capital One Quiksilver

    - Chase Sapphire Preferred
    - Chase Freedom
    - Capital One Quiksilver

    As you can see, there's a lot of overlap.

    She's thinking of replacing the CSP with an Amex Platinum because she's been targeted for the 100k offer. We spend a lot on travel, dining out, and some on groceries and usual other items. Total CC spend is probably $50k-$75k (plus we pay rent and a few other things using Plastiq or similar services on the Chase United Explorer card for an additional $25k in spend)

  2. David W

    David W Well-Known Member

    Likes Received:
    The Quicksilver is worth keeping if you've had it for a long time, but I wouldnt put spend on it.

    How long has she has the CSP? If it's been more than 2 years, I recommend downgrading that to a Freedom Unlimited and then aply for the Reserve. Net additional annual fee is really just $55, compared to the Preferred. You'd each get $300 in travel credits per year.

    I recommend you get a Freedom card as well, if you think you can both maximize the 5x bonus each quarter.

    The Amex Plat is definitely worth considering with a 100k offer. The $200 airline credit can be useful (I use it to purchase AA gift cards) plus the $200 Uber credits can be used with UberEats also. She may eventually want to consider the Amex Everyday or Everyday preferred for the bonus on groceries.
    MidSouth Skier likes this.