My Want List: The Chase Cards I’m Prioritizing Next

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I’ve been trying really hard to get myself under “5/24” so that I can apply for new cards from Chase. The new rewards cards I’ve been getting recently have been small business cards like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® that don’t report on personal credit, and therefore don’t increase the number of new cards I’m shown to have in the last 24 months.

By being under 5/24 I can:

  • Prioritize Chase cards until I’m back over 5/24
  • Continue to get small business cards

In fact, small business cards from Chase don’t increase your 5/24 number. You need to be under 5/24 to get them. So I think my first move should be Chase business cards.

  • I’ve already gotten the Ink Business Preferred℠ Credit Card which has the single best initial bonus offer out there. It lets you earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening and earns 3 points per dollar on the first $150,000 spent on travel and shipping, Internet, cable and phone services and advertising purchases with social media sites and search engines.

    However I haven’t yet had the no annual fee Ink Business Unlimited℠ Credit Card which has an initial bonus offer of 50,000 points after $3000 spend on purchases within 3 months of account opening, and points transfer to Ink Business Preferred℠ Credit Card or Chase Sapphire Preferred® Card and on to airline miles.

  • My big want is the Southwest Rapid Rewards® Performance Business Credit Card which is brand new and has an offer to earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open. I’m thinking about rolling the dice that it’s still available in early October, since if I push earning the bonus out to the third month I should be able to get it to post in January, meaning I’ll be most of the way to earning a Southwest Airlines Companion Pass at the beginning of 2020 and should be able to have one for most of 2020 and all of 2021. [Offer expired]

My thinking then is I want the IHG® Rewards Club Premier Credit Card because they’re the major hotel chain I don’t have any status with, the card comes with Platinum status and an annual free night worth more than the annual fee — plus it means a free reward night on any redemption of 4 or more nights (better than the ‘5th night free’ from other chains). [

And right now it’s got the best-ever offer to earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening and increased earning for the first year. [Offer expired]

    Ongoing spend will earn 40 points total per $1 spent when you stay at an IHG hotel for the first 12 months – after that, 25X. Earn 4X points on all other purchases for the first 12 months from account opening – after that, 2X points at gas stations, grocery stores, and restaurants, and 1 point per $1 on all other purchases.

Intercontinental Boston

My concern is I don’t think the IHG® Rewards Club Premier Credit Card stays around with this offer long enough to be able to prioritize other cards.

What cards are you prioritizing?

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. I have 9 Chase cards between business and personal. There’s really only two that would really tempt me: the business Freedom Unlimited and the personal United. I’d keep the Freedom card for categories without bonuses, but the United would pretty much be for the sign up bonus.
    IHG has done so much to devalue their program that their card would be okay for the sign up bonus, but between the status having no practical value, substantial devaluations, and the free night no longer valid at any IHG hotel as previously, the value is seriously mitigated. That said, even Skymiles have value on extremely rare occasion. Likewise with IHG, so I suppose better to apply for the card than waste Ultimate Rewards by transferring them to IHG.

  2. I’m at 11/24 and hope to stay that way or increase! Just got an offer and approved for a Chase Sapphire through Just for You offers!

  3. Which Southwest card will get to take you to the 110k required for the companion pass after the Business unlimited card?

  4. Which Southwest card will get to take you to the 110k required for the companion pass after the SW business Performance card?

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