Questions and Answers

I have multiple questions about Me only obtaining about 3 or 4 credit cards to accumulate some miles preferably on Delta (or Partners) or another airline for overseas travel as American airlines space I hear is too limited and hard to get. I recently gotthe Delta Amex Gold Card and its 60K award in December and have held the chase freedom card for years. I am now looking to find ways to maximize bonus points/miles with other credit cards for the purpose of getting points to turn into miles for travel for two of us hopefully in business class. Here are my questions..

1) Is it possible to get a Business card without having a business? I mean I hold a real estate license but do not currently practice.

2) Which cards or combination of cards allow you to get the most miles and are highly transferable? I want to stay under the chase limits so I am limited to 4.

3) Are any of the recommended cards likely to have larger bonuses later, ie: Chase Sapphire Reserve was once 100,000 points.

4) Which of these cards provides you 1.5 to 2 points or more on regular spend such as gas, eating out, buying groceries, etc? I wont be accumulating points by flying or paying for hotel room unfortunately.

1 – Yes, you can get a business credit card without having a business. Apply and use your own SSN.

2 – Amex, Chase, Citi and SPG all have transferable rewards. Amex MR points are transferable to Delta so look into those cards. Get a Chase Sapphire Reserve/Preferred card – that’ll let you combine your Chase Freedom points together and be transferable to airline/hotel programs.

3 – Hard to say. It’s been a long time since the CSP was more than 50k. It may be a long time before reserve goes back to 100k. The Chase Ink Business Preferred is at 80k right now and it’s a great card. Might want to consider that first.

4 – The Chase Freedom Unlimited earns 1.5x on everything so that’s a good card. Otherwise, the Amex Everyday/Everyday Preferred will be the cards to have for the bonus categories you want.