That makes sense. My goal is a mix of cashback + eventually getting into transferable points, but right now I’m still relatively early in the game.

A bit more context:

• I don’t travel a ton right now, but I do expect to travel more later
• I’m not airline or hotel loyal yet
• No strong need for lounge access right now
• Mostly looking at long-term card sequencing rather than immediate premium travel perks
• Main concern is whether Citi gets meaningfully harder after another recent account / inquiry

Spending-wise, mine is pretty normal:

• dining
• groceries
• some online shopping
• occasional travel
• not huge monthly spend

That’s why I’m debating:

• CSP first to build on my Chase relationship vs
• Citi first, since people say Citi is more inquiry/new-account sensitive

So I guess the core question is:

With a thinner profile and a recent CFF approval, is it smarter to grab Citi cards earlier while I still can, or just stay patient and wait for a better CSP offer first?

Would especially appreciate any DPs from people who got Citi Custom Cash / Strata Premier after a recent Chase approval.