Lain
DIS Veteran
- Joined
- Oct 4, 2014
@mefordis, the Hilton Biz card is about as good a choice as you could've made in your situation. You've been approved, don't second guess yourself now. Besides, the 125,000 HHs offer is the highest offer on that card, so even if you don't have any plans for the points, you've got those points in reserve in case anything unexpectedly comes up.
You mention you love Starwood hotels, but there aren't too many good options for you to earn rewards with Marriott or SPG right now through credit card signup bonuses.
You said you opened the following credit cards in the past 24 months:
Chase Marriott Dec-17
Chase Unlimited Dec-17
SPG Amex Business Nov-17
Barclay Jetblue Nov-17
Chase United MPE Nov-17
Bank of America MC Dec-16
Chase Sapphire Preferred Jul-16
You're over 5/24 and you opened the Chase Marriott Premier in 12/17, so you can't get the new Marriott Premier Plus card's signup bonus (I know you took the upgrade bonus). You could try for the Chase Marriott Premier Business card, which is not subject to 5/24, and comes with a 75,000 Marriott Rewards points bonus after $3k/3 months MSR, for a $99 AF waived in the first year.
As for SPG cards, you signed up for the SPG Biz in 11/17 right after the 35k Starpoints offer ended, so you took the 25k Starpoints but that precluded you from going for the higher 35k Starpoints offer when it came around again in 3/18. Because of Amex's one bonus per product/per lifetime rule, you likely won't be able to get another bonus on the SPG Biz again. (There's a chance Amex may release a new biz "product" after the Marriott merger is complete that you might qualify for; or the SPG Biz may be force converted to a new card, in which case you won't.) You also missed going for the SPG Personal card while the offer was still 25k Starpoints (public) or 30k Starpoints (incognito), and the current "$200" statement credit offer is terrible and not worth burning a slot for this card. (But that means you should be eligible for a bonus on the SPG Personal if a better offer comes along.) As I posted to @pinkxray above, wait and see after 8/1/18. Marriott/SPG/Ritz-Carlton is supposed to merge their rewards programs then and we might see Amex issuing SPG cards with points bonuses under the new rewards program. Amex is also expected to release the new SPG Luxury Card, which is a high-end credit card that could come with a big signup bonus.
The important thing is the Hilton Biz will have almost no effect on any plans to accrue Marriott/SPG rewards in the coming months. Because the Hilton Biz is an Amex business card, it won't report to your personal credit reports or count against 5/24 with Chase; so if you are conservative with your personal credit card applications and focus on new business cards, you may eventually get back under 5/24 to be approved for Chase cards again. In the meantime, the Chase Marriott Biz should still be available to you and DH. However, the Hilton Biz counts as a "credit card" for Amex, so if you plan to go for the SPG Personal and Luxury cards if they offer a points signup bonus after 8/1/18, then you need to count the Hilton Biz so that you're not applying for more than 2 Amex credit cards in a 90 day period.
Good luck, and please talk to us so you can avoid mistakes or regret.
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that $600 prepaid credit won’t last me 5-6 months like it did the last few months haha.
