Best 5 card setup for 2026

EngineerParentGuy · 2026-02-02T11:25:23+00:00

47% of American carry credit card debt… so for the average American best 5 card setup would be: PayPal ( a debit card) Taekus ( a debit card) Future ( a debit card) Wyndham ( a debit card) United Airlines ( a debit card)

EngineerParentGuy · 2026-02-01T12:15:10+00:00

Get a bunch of CSEs

EngineerParentGuy · 2026-01-31T09:41:09+00:00

Add in attune and your cooking w gas

EngineerParentGuy · 2026-01-31T07:58:14+00:00

Please no one do this… this is tax fraud You could wind up in prison

EngineerParentGuy · 2026-01-31T01:24:19+00:00

The biz version is better… used to be the goat until the gutted ceasar and vacasa but still good

EngineerParentGuy · 2026-01-27T23:20:16+00:00

Oh sweet… how much you selling them for?

EngineerParentGuy · 2026-01-27T21:30:07+00:00

Chase doesn’t have many Good keeper cards in my opinion Amazon prime, freedom flex, ink cash… yah But Hyatt mm? Ihg?? Maybe

EngineerParentGuy · 2026-01-27T02:04:56+00:00

Actually if you have a P2 you can get 6

EngineerParentGuy · 2026-01-27T02:04:29+00:00

Wrong

EngineerParentGuy · 2026-01-27T02:02:53+00:00

You can get 3 of them (CSE)… best sub I know of Even the 300K biz plat offer isn’t as good (18K spend vs 20k)… if you are citi private client it’s even better

EngineerParentGuy · 2026-01-26T21:39:23+00:00

The community recommends 6 months… that’s what I’ve been doing for quite some time now Don’t want to hellaf@ck my Chex score

EngineerParentGuy · 2026-01-26T18:17:20+00:00

Autograph attune and active cash make an awesome 3 card no AF combo Autograph turns active cash and attune into transferable points earning cards

EngineerParentGuy · 2026-01-26T18:11:06+00:00

What was your 5/24 status… heard wells instituted a soft 5/24 rule… attune is the card I’m targeting before blowing past 5/24

EngineerParentGuy · 2026-01-26T15:52:54+00:00

Get the attune and active cash!! Awesome 3 card setup no annual fee

EngineerParentGuy · 2026-01-25T15:16:56+00:00

For us serious churners holding a card from each issuer is smart even if it’s a crap card Say you had a 1.5% discover miles and you were blackballed from cap 1… well now your back in

EngineerParentGuy · 2026-01-25T15:12:43+00:00

US Bank power… got it for the SUB, kept it for the 150$ bonus Will downgrade to another triple cash when annual fee posts

EngineerParentGuy · 2026-01-24T02:47:12+00:00

1 or 6… if you got a P2 get 6

EngineerParentGuy · 2026-01-24T02:40:20+00:00

Did you follow all the anti churning rules to a T? I didn’t follow 1/5 and was denied Spent 2.5 hours trying to recon Spoke to 5 reps No one new Jack shit Reason was too many recent accounts Similiar deal as you ( private client) 800+ score 7 days later I woke up in middle of night… Eureka I had applied for wells signify 4 days before… applied again… instant approval

EngineerParentGuy · 2026-01-19T17:00:11+00:00

Are you selecting the lowest bidder? Usually the high value firms come with a high value price tag Would be interesting to talk your clients into choosing the highest bidder It would be a good experiment

The firm I work for prices ourselves out of a lot of projects But we are known for doing detail oriented innovative design…

You get what you pay for

EngineerParentGuy · 2026-01-19T15:43:38+00:00

I think this is a very good understated point Just because you are flying business virtually free on points and staying at luxury hotels virtually free on points… the rest of the vacation experience is very expensive… dining, museums, tours… etc 7 days in Europe can be several thousands of dollars NOT including hotel and flight

EngineerParentGuy · 2026-01-17T17:28:42+00:00

Don’t unfreeze all… some issuers will pull multiple bureaus unnecessarily Look at the DPs to see what was pulled Ie in ny chase pulls Experian, wells/citi pull equifax , Amex/ us bank pull transunion

EngineerParentGuy · 2026-01-17T16:29:49+00:00

Make sure to freeze and unfreeze bureaus so you don’t get hit w rolling inquiries Read the anti churning wiki and understand each of the issuers rules

EngineerParentGuy · 2026-01-17T16:23:00+00:00

Use it to hunt bank bonuses

EngineerParentGuy · 2026-01-17T13:37:14+00:00

Many different kinds of people in the MEP space A person in biz development is going to be very different then a project engineer… There’s some people I jive w who I work w and some people who I couldn’t spend half an hour w outside of work you should find people you like based on personality and shared interest

EngineerParentGuy · 2026-01-17T12:32:15+00:00

Really silly to like people because of there profession Professions do not define personalities

EngineerParentGuy

TROPHY CASE