Hello,
I could benefit from some beginner advice. We have a trip upcoming at the end of January, payment is due at the end of December. I'd like to maximize any benefit from this payment as well as our ongoing / annual transactions. I'm a beginner, so please bear with me!
Credit approved in the last 24 months:
None for both spouse and I. We have a new auto loan, but no new credit cards.
Cards we have today:
- Delta Amex Gold
- Costco Citi Visa (99% of our spending on this card today)
- Capital One Quicksilver
We've had all three for many years.
About us:
- We typically have $3-5k/month on our credit card spending
- We always pay off the full balance each month
- We target flying on Delta Airlines and have frequent flyer accounts there
- Southwest flies to our home airport, but we do not typically use it
- No preference on hotel rewards
- No specific goals on credit card rewards: we typically target cash-back through our Costco card. We are somewhat infrequent travelers, but currently take one trip per year that has a flight. Last few years were at Disney World. Also looking to a Disney Cruise in 2025 that would necessitate an airline flight
- Travel group: two adults, three children under the age of 11
- We bank at Chase, if that is relevant.
So, please, what would you recommend as a good all-around card to maximize rewards, especially an upcoming $9-10k charge at the end of December? Any other recommendations that we should consider?
Thank you for your help!