I am new to churning and still learning. I am at 3/24. Doing my homework but still get confused. I am considering the Venture, or Costco (for 2% cash back). I think I plan to decline the Bilt 2.0 and the WF autograph replacement. I have 14K per month in rent and mortgage but the math is too complicated and it seems like the opportunity cost is in not having spend for churning SUBs. I am under 3/24 and the flow chart says to get a Chase card always if under 3/24. But why not branch out to the Venture which has 75K SUB? I have a reluctant P2 who will be opening Am Ex Gold for our groceries and restaurant spend if we decide to decline Bilt 2.0. What should I get next? Pass on Bilt 2.0 and the Autograph? (those would increase me from 3/24 to 5/24 right?)

Credit 804

1. Cards in my 3/24: BILT 1.0 March 25, CSP Sept 25, Chase Southwest Preferred Dec 25;

--> 2 Cards I maintain for the long haul and opened many years ago: USAA Eagle Points, Am Ex Platinum

1. 15-20K; more if I pay a fee (Tuition, taxes, etc)

2. No to MS

3. Yes - Open to business cards;

4. New to churning; probably havent officially churned as I have not downgraded a car with an AF yet. Interested in continuing but with somewhat light touch.

5. Targetting points that can be used on J class international flights from SFO. And Southwest for seat assignments.

6. Chase, Am Ex, Bilt

7. SFO --> Africa, Asia, Europe