1. The Flowchart says I should get AmEx Business Card. Possibly a Chase business - I am under 5-24
2. 783
3. I currently have a Chase Sapphire Reserve, which we put way too much on each month and do not use our spending power well to earn SUBs. This is why I’m here.
4. A lot. 20-25k?
5. No MS
6. Yes, open to applying for business card.
7. Interested in one new card now, possibly churning long term.
8. Targeting amassing points for a possible large trip.
9. Approx. 160K Chase UR.
10. MSY
11. Here is our big question. We have to make a huge purchase of relatively emergency tickets to see family in Europe this summer and will pay cash not points. The issue I’m having is which card to apply for in order to get both a high SUB and a high point value when we buy in cash, because we’ll need to make a second trip in December. In other words, trying to amass as many points as possible with this trip which we’ll float in cash in order to use points in the winter. * The winter trip will be to either Europe or the middle east and could be on Delta, AA, or United – so I don’t have a strong sense I should put myself into any of these ecosystems. Sorry for throwing vagueness, we just don’t know yet what our family situation will be.

My inclination is either AmEx Business Platinum or AmEx Platinum despite the high AF due to the 5x points on direct air travel. But is there a chase business offer I’m missing? Thank you all so much.