I have a 5,000 insurance payment coming up in a week. Which CC should I sign up with? I already have Chase Reserve. I applied for an Ink on Friday and was summarily rejected (I heard they are tightening up on Sole Props applying). Most of my points are Chase. I have about 20,000 Amex points also and a bunch of AA points, and a handful of Avios. At this point, no 5/24 problem.