Just wanted to say hello. I used to be a frequent DISBoarder many years ago when my kids were younger and we were AP holders. I learned SO much on the boards. We've been on a Disney hiatus the last several years (last visit June 2019) as our kids got older and busy with other activities. My 50th Bday is ahead, and I am hoping to take our family of six (four kids are aged 17-20 now) back to DL to celebrate with me. Back in the day when we visited more frequently, I used to use my Disney Visa for everything just for the Disney points. I still have a healthy rewards balance, but I'm moving now to travel cards. I JUST recently started getting into the travel rewards game last month. I got the CSP for the SUB, have already met the min spend, and am now thinking of my next card! To find a board here that combines BOTH Dis and Rewards Travel seems perfect!! I'm slowly learning and following various YT, Insta, TT travel hackers. Coming along VERY slowly, but I find it all fascinating. I setup Paypal Key today, so my CSP can get points for my Verizon bill and keep my autopay discount, so I am feeling especially accomplished by this mini "hack". Lol
Question: I am thinking about a Southwest or IHG or Marriott visa. Thoughts on value of initial SUBs on any of these? Also, I'm really interested in which of these you find the annual fee "worth it" just for the standard yearly perks.
Question #2: My credit score is over 800, and I want to keep it there! Any tips to add new cards with minimum score impact are appreciated. Pacing tips (how many is too many, too fast, etc.)? Only one new card this year (CSP) plus a mortgage refi for new activity on credit report.
Thanks! I'm excited to find ya'll.