Misc Credit Card Questions

[HoKo]

Any good sub or best card for grocery spend currently?

I never got involved in citi points so not sure I wanna sign up for the citi premier. I have loads of MR & UR & never saw the benefit of starting with a third…

Amex gold card (4x) is great for up to $25k spend

[Jack345]

My last chase business credit card application was 3 months ago, is there a risk of shutdown for applying now for a new chase business card?

(Already have 2 chase business cards)

[elimmm]

whats the limit of total chase cards that i can hold?
if some are very low usage, is it better to close them?

[ckmk47]

whats the limit of total chase cards that i can hold?
if some are very low usage, is it better to close them?

Don't have an answer to a), but there may not be limit.
b) If you close any card, transfer the credit limit to a different card.  Not to lose the credit, which will temporarily lower your credit rating slightly. Also, when you next apply for a card, if you don't get approved, call reconsideration and say "I don't want any more credit from Chase, just please move some credit that I already have with you from card x to this new card."

[AYHG]

Would anyone have advice as to which of the airline currencies are most valuable as far as point redemptions and which current sign up bonus offer is most worth signing up for?

New Aeroplan (Chase) offering 70,000 ($95 AF)
American Aviator Business (Barclay) offering 70,000 Miles ($95 AF)
Hawaiian Business (Barclay) offering 80,000 (AF waived)
Alaska Business card (BoA) offering 70,000 ($75 AF)
United business 75,000 - I won't spend 20k for the 150,000 (99 AF)

Any input would be greatly appreciated.

[HoKo]

Would anyone have advice as to which of the airline currencies are most valuable as far as point redemptions and which current sign up bonus offer is most worth signing up for?

New Aeroplan (Chase) offering 70,000 ($95 AF)
American Aviator Business (Barclay) offering 70,000 Miles ($95 AF)
Hawaiian Business (Barclay) offering 80,000 (AF waived)
Alaska Business card (BoA) offering 70,000 ($75 AF)
United business 75,000 - I won't spend 20k for the 150,000 (99 AF)

Any input would be greatly appreciated.

It depends. What airport(s) do you primarily use?

[AYHG]

EWR or PHL

[HoKo]

EWR or PHL

Aeroplan or United (Star alliance hub in EWR). Or the AA card due to their hub in PHL.

[Agoldsc1]

I maxed out the credit on my Chase Ink already buying the MC no fee GC. Is it a trigger for an audit/shut down if I make a payment in the middle of my cycle in order to get release some credit? I just paid my previous balance in full a few days ago. Thanks.

[Ankster]

I maxed out the credit on my Chase Ink already buying the MC no fee GC. Is it a trigger for an audit/shut down if I make a payment in the middle of my cycle in order to get release some credit? I just paid my previous balance in full a few days ago. Thanks.

Cycling credit is fine once or twice but issuers generally do not like it and it can lead to shutdown if done too frequently.

[Agoldsc1]

Cycling credit is fine once or twice but issuers generally do not like it and it can lead to shutdown if done too frequently.

Thanks. Once or twice per cycle? year? ever?

[Ankster]

Thanks. Once or twice per cycle? year? ever?

Maybe per year or ever. Definitely not per month.

[Agoldsc1]

Maybe per year or ever. Definitely not per month.

Gotcha. OK, looks like I'll need more cards then  Thanks!

[Agoldsc1]

Besides for the Chase Business Cash Ink, are there any other CC which offer more than 2x points on office supply purchases? I know that the Amex Business Gold offers 4x on certain categories, but I believe that office supply stores is not among them. Thanks.

[Ankster]

Besides for the Chase Business Cash Ink, are there any other CC which offer more than 2x points on office supply purchases? I know that the Amex Business Gold offers 4x on certain categories, but I believe that office supply stores is not among them. Thanks.

https://upgradedpoints.com/credit-cards/business/best-business-credit-cards-for-office-supply-purchases/

[Agoldsc1]

https://upgradedpoints.com/credit-cards/business/best-business-credit-cards-for-office-supply-purchases/

Thanks. Ya, I saw that and a few other similar posts, but couldn't find anything more than 2x on points. Some have 3%-5% cash back, but that's no fun 

[ckmk47]

Thanks. Ya, I saw that and a few other similar posts, but couldn't find anything more than 2x on points. Some have 3%-5% cash back, but that's no fun 

Some Chase cards are billed as cash back, but give points.
What does the Ink Business Cash give?

[Agoldsc1]

Some Chase cards are billed as cash back, but give points.
What does the Ink Business Cash give?

5x points.

[ckmk47]

Do you have the whole family of INKs?
Why look further?

[Agoldsc1]

Do you have the whole family of INKs?
Why look further?

I don’t have the whole family. Only have Ink business cash which earns 5X points. Also plan on getting sapphire reserve so that the points are worth 1.5.

I want additional cards because the ink cards max out at $25k for bonus points per year. I currently have two, but even if I’m able to get two more, then I’m still capped at $100k a year.

Also, I never know when Chase will either discontinue the card, switch the bonus, or shut me down, so I want to diversify.