My UPDATED Credit Card Roadmap (2025)

[@gainesville323]

I love roadmap videos! Not only do I enjoy seeing what my favorite creators’ next steps in their CC journeys, I also get to stop and reevaluate my roadmap! Great video as always, Stan!

[@TheCreditFrog]

Me too Tariq! I think it really gives perspective on what goals are possible, and how it can relate to your situation!

[@KimEspinoza599]

Hi, it was great meeting you in NOLA this weekend. I hope you enjoyed yourself and the amazing food!! When i applied for the SW cards a couple years ago, I had both applications ready for the business and personal and I submitted at the same time and got approved for both on the same day. Then I worked on the subs over the holidays and finish them off early January. We have gotten so much value out of the CP and with your plan you will too!!

[@TheCreditFrog]

@@KimEspinoza599 Nice to meet you as well! It’s great to hear that CP has brought you a ton of value, and I’m hoping to do something very similar to what you did! I also signed up for the promotional CP for the Jan-Mar 2025 so that will help ease the transition for Jan 2025 when the points are waiting to post!

[@bladeddavid1144]

I'm cancelling my platinum and I'm looking into the US Bank Altitude Reserve or the BOA Premium Rewards Elite. I live in Houston so I really want the restaurant option priority pass since there's only a Centurion lounge I'm excluding Venture x or CSR because I want the best version of priority pass. I usually fly 4+ times a year. Which do you recommend?

[@TheCreditFrog]

Because you want the best PP version with restaurants, I recommend the BofA PR Elite. You get one for you and for 3 others, and each can bring their own guests too! It’s a higher AF card, but depending on how much you use the benefit, it could be very valuable. Having Platinum or Platinum Honors status helps make it a great card for that catch-all spending. If you don’t think you’ll need more than 8, USBAR is good too. I have both and I love both of them!

[@bladeddavid1144]

@@TheCreditFrog Thank you! BofA PR Elite it is!

[@newagain9964]

@@bladeddavid1144but those BofA cards don’t earn well….unless u want to keep A LOT of 💰 at BofA

[@newagain9964]

@@TheCreditFrogmay get BofAPRE circa nov. need to think on it…and been holding of to see if they gonna nerf PP benefit. lol. Also need to look into its trip protections and real world DPs

[@newagain9964]

@@TheCreditFrog may get BofA PRE circa nov. need to think on /vs alt cards…& been holding off see if they nerf PP benefit. lol. Also need to look more into real world DPs (esp trip protections)

[@WhatsThePoints1]

This is great, super organized and clear. I need to finally make my own card setup video. Great meeting in NOLA!

[@TheCreditFrog]

Great to meet you too! Happy to hear you enjoyed the video!

[@shawn.credit]

Excellent plan, I have the Amex Platinum and will reevaluate once I’m able to obtain Chase cards or the US Bank Altitude Reserve card. I still feel the Amex Platinum offers the best status and travel value but will definitely consider more options when I am able to obtain other options.

[@TheCreditFrog]

Thanks! It really depends on your own travel habits, what airports you go to, and what lounges are at those airports. Personally, I would try getting lounge access at as many airports that I fly to often as possible, even if Centurion lounges are "better." It won't matter if you don't go to them! So many cards offer airport lounge access now that you can really choose the right fit for you!

[@newagain9964]

Now that honeymoon is over with usbar, i think it’s best for someone with a 1-3 card setup that travels very little. good 4 someone Uber dependent. Be warned that USBANK policies, IT and staff are super mediocre.

[@Xavier_ID.]

I like the approach for the southwest companion pass 👍🏼 I agree with you, might as well take the safe approach to make sure it all works out perfectly. Gold status is very valuable for Hilton. With my recent stay at the Roosevelt for three nights alone I got $150 in value recouping the AF in one trip. Great video Stan!

[@TheCreditFrog]

That’s awesome Xavier, and it was a pleasure meeting you at NOLA! Hilton Gold is so solid, arguably my favorite benefit with any hotel status just because the longer you stay, the more value you get! And I like breakfast haha! I’m looking forward to getting CP, but I’m worried SW is going to mess it up when they announce the specific changes to seat selection and an economy-plus tier.

[@Xavier_ID.]

@@TheCreditFrog likewise Stan! And yes interested to see how that all plays out with the seat changes.

[@KeepItKAA]

Looks like a pretty solid strategy going forward. What was your order for getting the Ritz Carlton card vs the brilliant? As someone trying to start the marriott card lineup would you recommend to get the brilliant before the product change to the ritz or vice versa? That way you get platinum status during the 2 year wait period vs keeping the boundless and waiting the 2 years to product change after you get the brilliant SUB.

[@TheCreditFrog]

@@KeepItKAA I got the Brilliant before the Ritz, but I had the Boundless card to start (it was PC’ed to the Bold). This is the best IMO just like you said to get Platinum status and also still be eligible for the welcome offer on the Brilliant!

[@KevinYang]

As always, love to see others' plans and setups! Been thinking about the CSP vs CIP myself too, but I think the CSP has better travel insurance/delay benefits, and beats out my Amex/VX cards given it triggers even if you pay for a "portion" of the trip... Which cards do you typically use for booking flights (cash or fees on redemptions)? Also it seems like although there's some simplifying of some cards, all those hotel cards seem to add back more complexity! Do you already typically have plans for using them at places, or you travel enough to know you'll be staying at nice IHG/Hilton/Marriott properties every year?

[@TheCreditFrog]

Thanks Kevin! So yeah, the CSP has a lot better protections since the Ink Preferred is more geared towards business spend. I books flights on my Amex Platinum, but once that’s gone, I’d probably switch over to my USBAR, and they both have travel protections. There’s definitely more complexity when you get past the core setup, but it comes down to the organization of each level. I never spend on my Marriott cards (except $25/mo dining on Brilliant), and I use the Ink Preferred for Marriott stays, Hilton cards for Hilton stays, and my IHG card for IHG stays. I generally tend to use the co-branded card with the hotel, except Marriott because 3X UR will almost always beat out 6X Marriott points!

[@yurig2530]

​@@TheCreditFrogI now use WFAJ for all stays, except Hilton (Aspire) and Wyndham (Business).

[@jimmyjames6492]

Great roadmap & strategy. Thanks for the info + video!

[@TheCreditFrog]

You're welcome Jimmy James! 👍

[@WealthOfOpportunity]

Solid walkthrough of your gameplan and why it fits your upcoming travel over the course of the year and beyond. Will be interested to see how SW cards might also change with the upcoming seat assignment changes as well!

[@TheCreditFrog]

Appreciate it Ninja! I'm also curious to see what the changes are going to be on the SW credit card lineup. Hopefully, it's implemented after I get the Companion Pass!

[@LK_EBM]

These are the best type of roadmap videos out there, where you really deep dive into your strategy and the reasoning.

[@TheCreditFrog]

I appreciate that LK! Glad you enjoyed it!

[@docsays]

Great video Stan! I always appreciate how thorough you are with your roadmaps. Definitely make sense! I think its awesome that you got your P2 on board right the from the jump! I think i will be adjusting my setup in 2025

[@TheCreditFrog]

Appreciate it Doc! Yeah, it's been really cool to include her in all of my (our) credit card shenanigans! I'm looking forward to hearing about what you'll be doing with your setup next year!

[@PhilMo78]

Nice looking roadmap Stan!!! I have some works to do in tje cutting AFs dept! It was great to meet you this weekend!!!!

[@TheCreditFrog]

Appreciate it PhilMo! It was amazing to meet you this weekend as well. Great to put a face to the name! Yes, we all need to keep cutting those annual fees!

[@BeesBirdsBiscuits]

I love this video. It is very well explained. However, as for the Hilton CC - if you're goal is just to gain Gold status - why don't you just apply for Hilton's status match with your IHG since that's already a platinum status?

[@TheCreditFrog]

Thanks so much! Hmm, I’ll have to look into this! Would be a great way to transition out of the Platinum card and still have Hilton Gold status if I don’t have a Surpass card. Thanks for the tip!

[@paquitojhs]

Man I love this community. Always find out new things through other people. Thank you!

[@BeesBirdsBiscuits]

Sure thing. I haven't applied yet as I just got my IHG premier cc. I hear it is easier to match marriot to hilton instead of IHG to hilton, but it's not impossible. I heard it may be easier to submit a copy of your most recent IHG stay (invoice) along with a screenshot of your IHG platinum status. I plan on doing some mattress runs in las vegas to get that hilton diamond status in 14 nights instead of trying to get 60 nights done. Good luck!

[@Thecreditcardconnection]

Great breakdown of your card strategy! We can learn a lot from this! Thank you !

[@TheCreditFrog]

@@Thecreditcardconnection I appreciate it Joe! Thank you! Glad it got you some value!

[@KeyKEYadventures]

Stan!! So nice to meet you and your wife - both of you seem to be amazing! Thanks for the roadmap update! Check out the current promotion for companion pass for the first 3 months of 2025. I just signed up for the promo now!

[@TheCreditFrog]

Thanks Keykey! It was great to meet you as well. Yes! I just was offered it in the app today, so I already booked a flight within the travel period so I'll be getting CP from 1/6 - 3/6 2025. It'll be nice because it will cover the month of January while I complete both credit card welcome offers, and the points post to my account!

[@KeyKEYadventures]

@@TheCreditFrog wooo! Glad you’re covered! I’m jealous, I’ve never had a SW CP before!

[@zyzzuschrist3410]

Any plans to get any Capital One cards like the Venture X or one of the new cards Capital one will release this month? Seems the VX would be a decent replacer for your BofA PRE. Especially since your wife doesn’t have many accounts

[@TheCreditFrog]

Possibly! It's going to depend on what the card ultimately looks like. It's hard to make predictions until the card is actually released. For me, I have no need to go into the Capital One or Citi ecosystems, unless there is a VERY compelling reason. The only card that I want to get from Citi that I don't have yet is the Citi Custom cash because that card is just a great all-arounder to tag those 5X category spend!

[@MattWelterOfficial]

Seems like SW Companion Pass via a SW Personal & BIZ card makes a ton of sense for your P2 Setup. Love your plans for expanding your Hotel Card portfolio & adding in the Bonvoy Boundless too! Would love to model my Marriott Strategy after yours as I build that out long-term haha. Smart to start building your way up the Hilton Ladder as well. Great point about the spend for the FNC on the Surpass potentially being a great fit during a period of gardening as well. Great video Stan!

[@TheCreditFrog]

Thanks Matt! Yeah there’s a lot of targets to hit in my upcoming roadmap. Even at this stage there’s still a lot of movement to optimize the credit card setup, and this is what makes it truly fun! The Marriott strategy is a long term play so it’s nice to do simultaneously with other strategies!

[@qcman2000]

Great breakdown as always Dr. Stan 👍🏽. I assume there’s going to be a video soon on the new US Bank catchall card that’s similar to the BOA/Merrill preferred rewards program? I like that US Bank has joined BOA in having a program that rewards folks for saving. Doesn’t necessarily beat the USBAR, but very interesting.

[@TheCreditFrog]

Thanks qcman! Yes, there definitely will be, but I'm not going to make a full video about it until the card releases, or there's confirmation on what the card is REALLY about. I try not to speculate even though it's nice to think about the possibilities (hint, hint no annual fee/no foreign transaction fees). This card has the potential to upset my core setup, and that's very exciting!

[@vitobiondo5178]

Stan how did you get the Ritz and Amex Brilliant? Well I believe I know how but in my situation I currently have the Ritz and would like to apply for the Brilliant but would miss out on the welcome offer. Is there another way?

[@TheCreditFrog]

I got the Brilliant before I product changed to the Ritz. Regarding the Ritz card, if you already have one, you always PC down to a Boundless, get the Brilliant, and then PC back up to the Ritz after you complete the Brilliant welcome offer.

[@CnSand10]

Cool video as always, Stan. I am in the same boat with Marriott. I got the Boundless in December 2023 and will have to wait until 2026 to qualify for a business or Amex Marriott version to get the welcome offer. My plan for Marriott is to stack the FNAs.

[@TheCreditFrog]

That's the best way to do it! It takes a few years, which sucks, but once you have them all, they just continually generate those FNAs, which is pretty amazing!

[@iFrankie.]

Are chase cards worth it ? Realistically I only want a Chase duo I only have the CSP that I use a lot. I have two beginner cards that I use for coffee only. Thinking about Chase Freedom Flex or Freedom Unlimited but idk which one. I don’t want a trifecta because I feel it’ll be too many cards to handle and cycle through

[@TheCreditFrog]

I would do the Chase Freedom Flex and the make sure to maximize the 5% categories. If you want something easier, CFU would be best.

[@iFrankie.]

@@TheCreditFrog I believe Chase Freedom Flex would be an amazing catch all card if utilizing the 5% on rotating categories I might choose that over CFU at 1.25x. Thank you 😊

[@nubianpwr]

Stan - you are killin it man! I'm working on my final Business Ink trifecta sub (unlimited) this mth. I shall follow suit with your Marriot strategy next year by adding the Chase Marriot Boundless to make my way to the Ritz card "again". I want to collect those 4 FNC like you😄👍🏾

[@TheCreditFrog]

Awesome Nkosi! The Marriott strategy is a time and patience strategy, but when you have it, it's going to churn out real value every year! It's great to pepper in some Ink cards too.. you can never have enough UR points!

[@davidwong1288]

Hey Stan! I messed up my SW companion pass timing and got the personal card in August. Could I still get both business cards at the end of this year/early next year and be eligible to have the companion pass for nearly all of 2025 and all of 2026? Or did I shoot myself in the foot and have to wait another two years to try again essentially?

[@TheCreditFrog]

Hi David! I’m not sure if business cards stack together to achieve CP. You could always try, but it may not work out. I haven’t seen any literature supporting a two business card CP strategy, but I can’t rule it out.

[@shaziaijaz5863]

How did you get the IHG admiral membership can you explain it please? I have premier personal and biz cards so donyou recommend the Admiral membership?

[@TheCreditFrog]

Do you mean the Ambassador Membership for Intercontinentals? It's very easy, you have to buy it. It costs $200 annually, but the price will increase to $225 on Oct 1st. I would only recommend this if you plan on staying at a lot of Intercontinental properties because that's all the status is really good for. It gets you IHG Platinum Elite, but you already get that on your credit cards.

[@ahmed-g4x2r]

quick question, I have the Amex business platinum card now. And I wanted to get the Amex trifector. Of personal platinum, gold, and blue business, in which order should i get them?

[@TheCreditFrog]

BBP, Gold, Platinum. At the very least Gold then Platinum so you can get both welcome offers.

[@ahmed-g4x2r]

@@TheCreditFrog does having the gold delta disqualify me from the Amex gold?

[@ItsMeCJ]

It looks like I’m still first 👀…I like the strategic way you’re tackling those southwest welcome offers. I actually watched that part twice. I also see that you’re willing to give up Centurion Lounge access 😮

[@TheCreditFrog]

Haha ok CJ, if you insist! Yeah, looking forward to start up the SW strategy to get that Companion Pass! And yes, I’m willing to give up Centurion access because there are so many other lounges to choose from. For me that would be the Sapphire lounges and the Priority pass lounges from the Ritz card!

[@WayneJones-c2c]

Love your videos! As you strive to reduce annual fees, is there any reason why you value the BOA Premium Rewards over the Ultimate Cash Rewards as a catch all? You could reduce your fees by almost another $100. Unless of course, you spend enough on travel for the 3.5% to justify the AF.

[@TheCreditFrog]

Thanks! The Unlimited Cash Rewards card is a great option but it has foreign transaction fees. The Travel rewards card is also good, but the redemption option is harder. If a card has FTFs, it can’t truly ever be a catch-all card.

[@WayneJones-c2c]

@@TheCreditFrog Very true! I’m not sure how many data points you’ve come across but when you product change BOA credit cards without FTF to one with a FTF, the product changed card no longer has a FTF. Not only have I come across this on Reddit but I have first hand experience recently product changing a BOA Travel Rewards card (no FTF) to an Unlimited Cash Rewards card. The Unlimited Cash Rewards card doesn’t have a FTF.

[@TheCreditFrog]

@@WayneJones-c2c ooh interesting! That would really change up some things! Maybe I’ll have to try it out and test that theory out! If that was the case, then the UR would certainly be a viable option. Thanks for the tip! 👍

[@WayneJones-c2c]

@@TheCreditFrog you’re very welcome! Thank you for all of the valuable content and perspectives you provide for credit card enthusiasts! I’m on the Altitude Reserve bandwagon because of your high praise for that awesome card!

[@Nate40302]

Stan, I got the Marriott Business AMX with the 5 FNC. What should I do to get that Ritz card?

[@TheCreditFrog]

You need a Chase Marriott card. But you’ll need to wait 24 months after you complete that awesome offer if you also want the welcome offer on the Chase card. Alternatively, you could go for the Brilliant around now since once you get the RC card, you’ll no longer qualify for the Brilliant welcome offer until that RC is PC’ed back to a Chase Marriott card.

[@Nate40302]

@@TheCreditFrogPlan is to get the Brilliant and have my wife get the Ritz Carlton and I can be added as an authorized user for now. What you think?

[@TheCreditFrog]

@@Nate40302 definitely could work!

[@Whitenoiselookspretty]

How do you get 4.5x on mobile wallet with real time rewards? Is the redemption for RTR higher than cash back?

[@TheCreditFrog]

Yup! RTR redemptions are 1.5cpp when redeemed for travel, lodging, rental cars, and other travel, including cruises. If you redeem for cash, it's only 1cpp.

[@ronburn]

If you cancel the AMEX Platinum do you get to keep the gold for the remainder of the year? I thought Hilton would roll over the benefit for you.

[@TheCreditFrog]

I heard you can keep it for the next 3 months, but not sure. It’s a temporary solution though. Ultimately, having the Surpass card is going to be important.

[@giocardenas12]

Wait, you say in the video that you want to get the Hilton card for the gold status, but I read that when you get the platinum card, you get the gold status with Hilton. Is it true or false

[@TheCreditFrog]

Yup! You sure do! But if I ever get rid of the Platinum card, the Hilton Gold status would go along with it!

[@giocardenas12]

@@TheCreditFrog Thank you. I want to make sure that the benefit came with AmEx

[@vernongomes]

Stan the man! Did you hear about the US Bank Smartly card? Basically US Bank is starting to copy the Preferred Rewards program and you can use investments too! There’s a waitlist, but it might make me give up BofA, maybe for good. Also it makes me feel safer about US BAR being here to stay.

[@TheCreditFrog]

Hey Vernon! I sure did and signed up for the waitlist. Depending on the annual fee and if there are caps or not, this seems like a very promising card!! I hope it has no annual fee and no FTFs but I’ll be watching this card with great interest! Not sure if I’d leave BofA for it, but it would make me want to add US Bank as a major bank for my financial life, so to speak.

[@newagain9964]

I wouldn’t expect us bank to get the accounting right. They’re just not a good bank. And u have to keep min $5k in account and pay $5 mo to get measly 2.5%. Pass. USbank is great for 1 stop banking…if u have lil to no options in ur town.

[@kinart2543]

Is fall the usual time when cc issuers make changes to the cc perks?

[@TheCreditFrog]

They can make changes whenever! Amex usually makes changes on Thursdays

[@jjballay]

We are doing the same thing climbing the Hilton ladder... I have the reg Hilton and the surpass and she just applied for the Hilton regular

[@TheCreditFrog]

Very nice! Gotta make sure you get those welcome offers as you move up the ladder!

[@jona2080]

With Hilton surpass, if we would spend 15k by 12/31/24 does that qualify for a free night? Spend 15k in 2025 would get another free night?

[@TheCreditFrog]

Yup! Thats how it works!

[@sethpatterson8143]

I was under the impression that the Chase 24 month rule wouldn’t apply to your boundless application since you aren’t reapplying for the same card. I thought the 24 months was only a timer for how soon you could redo an already completed bonus. Any clarification possible? Thanks

[@TheCreditFrog]

It has to do with the fact that I got an Amex Marriott card which comes with its own set of rules. Of course, cobranded cards also have their own 24 month rule, but this added restriction is because Chase Bonvoy and Amex Bonvoy, at least in terms of the welcome offer don’t play nice

[@sethpatterson8143]

@@TheCreditFrog So if I was looking to collect SUBs from Bevy and Brilliant it wouldn’t be a problem, but then I’d have to wait 24 months to play it safe with Chase cobranded cards?

[@0xDankberg]

I’m sorry but if you’re getting the ~5% with BoA due to the amount of money in your account, and it’s not in a HYSA instead you’re probably losing money rather than saving from the boost. Good watch though appreciate the insight on some of these cards.

[@TheCreditFrog]

@@0xDankberg the money is in a brokerage so it’s definitely invested and put to good use! Glad you enjoyed the video!

[@mingyuwang6638]

Can I apply more than 2 or 3 chase business cards within a month ?

[@TheCreditFrog]

You could, but you probably won’t be a accepted for all 3

[@mingyuwang6638]

@@TheCreditFrog yeah that’s my worry too . I saw they have 2/30 rules . Not sure if that’s applicable to two business cards

[@TheCreditFrog]

@@mingyuwang6638 I think it applies to two cards of the same class. Like 2 personals or 2 businesses

[@mingyuwang6638]

@@TheCreditFrog thanks for the clarification!!!!

[@henryh4468]

Can you make a vid when you apply to the SW cards? I think imma try for the same 🙂

[@TheCreditFrog]

I definitely plan to do so 👍

[@henryh4468]

@@TheCreditFrogthanks Stan! Which sw personal and business card are you thinking of?

[@TheCreditFrog]

@@henryh4468 Southwest Priority and Southwest Performance Business

[@balloonpark]

All those Marriott nights have me regretting not going for those cards! I canceled my platinum in July, but Hilton still says I have gold status 😁🤫

[@TheCreditFrog]

Haha! Better ride that train while you can!

[@RITPA]

Two Hilton cards , how did you also get 25k MR?

[@TheCreditFrog]

I referred my P2 from my Business Platinum so I got 25k MR from that!

[@travelpointsfamily]

We're trying for a 2nd Companion Pass this fall! Apparently, the kids want to come with us.

[@TheCreditFrog]

Haha! Yeah, I’ll bet they do!

[@travelpointsfamily]

@@TheCreditFrog But they don't get to come on every trip. We enjoy some time to ourselves.

[@TheCreditFrog]

@travelpointsfamily that’s always important! Time away just makes the time together that much better.

[@robertjarrell7276]

If only I could get the Bonvoy Brilliant! I’ve been in Pop-up Jail for at least a year. I’ll be under 5/24 in November and may have to start the slow path toward the Ritz-Carlton card. I realize that’s not the point of your video but I’m so frustrated…

[@TheCreditFrog]

Yeah, I know! It's such a great welcome offer right now, but Amex pop-up jail is terrible! At least you'll be under 5/24 soon so you can get more Chase cards instead and move that portfolio plan forward!

[@mdurrani4014]

@@TheCreditFrogI am not approved for the Bonvoy brilliant bonus offer even though I have had only 3 credit cards in last 2 years. I did have Amex platinum that I just closed 4 months ago (closed it after having it for a year) Could platinum be the reason for not qualifying for the Amex brilliant bonus? I have had the Chase Marriott boundless for over 2 years as well.

[@TheCreditFrog]

@mdurrani4014 if you’re referring to popup jail, your guess is as good as mine! Amex will do this for whatever reason, and the only hope is to get out somehow!

[@mlodyme3675]

FYI, since you are PH with BofA, the CCR is %1.75 card after maxing out $2500 limit, not %1.

[@TheCreditFrog]

Oh, that's right, thanks for the correction!

[@vincelasagna]

👁️ 👁️ "I think I'll use my credit card"

[@TheCreditFrog]

Yay credit cards!

[@Rowdyyy_rod]

Why go back to AMEX if burned out by coupon book statement credits?

[@TheCreditFrog]

It’s the lesser of two evils. There’s no way to win here except cut out Amex completely. Fortunately, Marriott is both with Chase and Amex, but Hilton only has Amex cards.

[@yurig2530]

Why you don't want to upgrade Boundless to another Ritz and cancel Brilliant and Bonvoy Business and get another 2 Hilton cards? This is my strategy right now. The target is to get 8 Aspires and at least 6 Ritzes.

[@TheCreditFrog]

I won’t be able to use all those FNCs every year! Having one of each card is good enough for me.

[@yurig2530]

@@TheCreditFrog you will need those FNCs for a vacation.

[@rudra1087]

How do you get 5% cash back on online shopping with BoA?

[@TheCreditFrog]

the BofA Customized Cash Rewards card earns 3% cash back on online shopping on up to $2,500 per quarter. With Platinum Honors, this boosts the multiplier by 75% making it 5.25% in that category!

[@thejokerspeaks]

My next card will be a credit union Max Cash for 5% on movie theaters, sports, and concert events, along with another category. I'll also shoot for World of Hyatt for the free night and status, our 3rd favorite chain after Hilton and IHG. Downgrade the Platinum to Green. Downgrade USBAR to Smartly, if I can. I've got an open slot for Amex if they offer anything new.

[@TheCreditFrog]

Sounds like you're well poised for some moves! I'm excited to see what the Smartly card turns out to be. Right now, it sounds pretty good, but we're missing some key details. Once the card is finalized and open for applications, we will see how revolutionary US Bank wants to be (or not).

[@tooeasy4217]

Thanks to the CP I am able to fly a family of 3 (me,P2, and a infant) for the price of 1!

[@TheCreditFrog]

Very cool! BIG savings there!! 👍👍

[@tooeasy4217]

@@TheCreditFrog hell yeah! You will love yours!

[@GalenGiese]

Don't forget your BOE PRE does 3.5x dining. Why do you use the Bilt card instead of the PRE?

[@TheCreditFrog]

It sure does! I think Bilt points can be very valuable depending on how you use them. So even though it's 3X, if you can get a higher redemption than 1.2cpp, then you'd be winning on the Bilt card.

[@TheUsflow]

Haha why not NAF Alliant 2.5% instead of $95 non-elite BOFA premium rewards? Or upcoming NAF Smartly4%? I'd cancel the Amex Platinum and if you need Hilton Gold, you might be able to match your Marriott status over but even if you can't there is no way Hilton F&B credit is worth $695 (or less if credits and not burned out). Saying it is phenomenal is a stretch lol. I am burned out by dealing with the stress of getting it applied as it is not automatic. Stayed at Conrad Resorts World in Vegas, and only can be used at horrible Dawg House sports bar not any of other 39 places. Stayed at a Garden Inn and got charged $10 for non-fresh squeezed juice. Haha literally the juice is not worth the squeeze!

[@TheCreditFrog]

Yeah, I'm not saying Hilton Gold is itself worth $695, but it's certainly worth keeping, if possible. Alliant 2.5% is a nice card, but since I'm already with BofA, that seems easier, and I get slightly better mutlipliers and if I can use the $100 airline incidental credit, it would help with the $95 annual fee. We'll have to see with US Bank Smartly - if it doesn't have foreign transaction fees, then it would be a huge win, otherwise, I'll probably have to pass. Understand where you're coming from with the F&B credit, but personally think it's worth it from my experience!

[@yurig2530]

Why downgrade to OG Freedom and not to Freedom Flex? I converted all of my OG Freedoms to Freedom Flexes long time ago.

[@TheCreditFrog]

My wife already has one so an OG Freedom is fine. If we want to get another welcome offer for the CFF we can cancel the one we currently have since we have it more than 24 months

[@yurig2530]

@@TheCreditFrog I converted all 7 of my CF to CFF, cause they have additional categories.

[@yurig2530]

@@TheCreditFrog Why cancel? I don't understand.

[@TheCreditFrog]

You can get a CFF welcome offer again after 24 months if you want to.

[@yurig2530]

@@TheCreditFrog those offers are pretty small, I prefer CSP offers

[@starmanx25]

chase business hates you or what's with the $5k limits?

[@TheCreditFrog]

I think I have a lot of Chase personal limit so my business limits are smaller as I’m capped out with Chase

[@starmanx25]

@@TheCreditFrog aahh ok! I just applied for a chase business ink cash and it's "pending review" so i'm just curious with it all. Hoping to get around $10k.

[@ryanccc777]

First😂!!!

[@TheCreditFrog]

Congrats Ryan! You are first!! 🏆🥇

[@MrHawaiiboy510]

Am I the only one that’s not a fan of IHG?

[@TheCreditFrog]

I'm sure there are others. But I like them (so far)

[@MrHawaiiboy510]

@@TheCreditFrogwhy does the Hyatt card have to suck so much?

[@TheCreditFrog]

@@MrHawaiiboy510 I agree. Such a wasted opportunity.

[@joshua.butler]

I wish Southwest didn't pull out of my airport 🥲 Excellent roadmap. I love how detailed you are with your strategy.

[@TheCreditFrog]

Appreciate it Joshy! There's a lot of exciting things ahead so I'm looking forward to achieving those goals!