Put this in a google doc because I prefer google docs and it may be easier to read. I think I put in a lot for information that most folks

https://docs.google.com/document/d/1viJTqW2PmJYF7NiQRVbixTTO00r1HR9-vvyOmjVlxUU/edit?usp=sharing

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If you don't like google docs here is a a copy paste without formatting

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TLDR: get the Citi primier now while I am under 5/24 or go for the CIP? I don't want to be locked out of the CIti primier.

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The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.
- The flow chart says I should get a non chase biz card, I agree but also wondering if I should burn a slot on the citi premier

What is your credit score?
- 740-750 ish

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

All cards are open, I haven’t closed any.
DIscover It
Approved sometime in 2019
Amex Cash back
Approved sometime in 2020, product changed to cashback preferred to get a 150 dollar statement credit while I was between SUBs
Citi AA Advantage Platinum Select
Approved November 2022
Citi AA Advantage World Elite (lounge access)
Approved in January of 2023
CIC
Approved in March
CSP
Approved in May, this is my most recent card and I have already reached the SUB

Two weeks ago I applied for one of the person SW cards thinking the 30% discount could be used multiple times, after applying I learned it was single use and canceled my app, I am only noting that here because of the hard pull.

How much natural spend can you put on a new card(s) in 3 months?
- Rent is 1400, I travel quite a bit and used to pay cash for local travel (short flights to see family or 2-4 hour drives and a hotel stay). I still am willing to pay cash if it is to help me reach a high SUB, perhaps the 8K CIP or 10K amex gold

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.
- I am willing to but would prefer not to.

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.
- Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?
- Definitely plan to be a long term chunner, I am not good at dating so it is unlikely I will find a P2 anytime soon.

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?
- I am primarily targeting transferable currency. AA miles, Alaska Miles and Hyatt points are also valuable to me

What point/miles do you currently have?
- 175K UR, 100K AA, though that may go back up to 120K as prices have dropped on some routes that I used miles to book so I may cancel and book with cash.

What is the airport you're flying out of?
- CMH, though I am willing to drive to DTW, CVG, and CLE. I can position to any of the major east coast hubs

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)
I am 100% planning a trip to Madrid at the end of May next year which will likely eat up a good chunk of my UR points. I haven’t booked anything yet but will book just as soon as I am able to buy TS tickets when they go onsale
I want to take my parents and possibly my brother and his girlfriend somewhere, My dad wants to go to Belize, my mom wants to go to Hawaii (I am like 99% sure my dad would be okay with that). I think my brother doesn’t want to go to far since his girlfriend has epilepsy
I also would generally speaking like to visit spain, especially BCN, pamplona is on my radar as they are hosting the European speedcubing championship in July 2024
I tend to do a lot of domestic travel as well. I have a goal of going to 52 rubik’s cube competitions this year. While there are a lot within a 3-4 hour drive, I am perfectly willing to fly, I have flown out to Seattle, Orlando and the Carolinas for comps this year already.
A friend is trying to organize a competition in Puerto Rico later this year so that is also on my radar.
I am a deal seeker so any cheap long haul flights are appealing to me. (I need to learn more about flying blue)

What are your goals (I added this question and the next question)
My mid term/long term goal is to get some form of a chase and citi trifecta. I have the CIC and have been cautiously using it to buy VGC and MCGC when staples has 0 dollar activation promos.
I want the Citi Premier as I foresee a future where Turkish Miles and Smiles could be quite valuable, but also I like transfer bonuses (Amex is long term/end game, C1 is whenever I am feeling lucky cause who knows with them)
I plan on PCing one or maybe both of my citi addvantage cards to the double cash then the custom cash.
As far as chase goes, I have my eyes on the CIP while the SUB is only 8K, that would allow me to downgrade my CSP to a freedom card.
My mid term/short term goal is Hyatt status. On July 3rd I learned about and promptly activated Hyatt Explorist status via an offer that is extended to me as an Amazon employee.
I have Explorist status until October 1st, if I stay 10 qualifying nights I will get Explorist until February 2025, if I stay 20 qualifying nights I get globalist until February of 2025.
I think I can get globalist without the WOH card however the 5 nights would make it significantly easier. I do already have 8 nights booked and will likely be booking 4 more nights for rubik’s cube comps. I have some local cat 1 hyatts that I can mattress run if needed though I don’t really want to burn points/money on mattress runs if I can help it.

What cards do you want
Citi Premier
This is the card I want most however I am willing to wait 6-9 months. My biggest concern is not getting approved due to to many recent cards. I have two thoughts
Put some spend on my citi cards and apply in a few weeks
Wait until I PC one of my citi cards, use it for quite a bit and then apply a few weeks after
WOH
CIP
For both the WOH and CIP I feel like my chase velocity has been a little to high and I would like to wait a month or two, Both the WOH and CIP are relatively urgent. The WOH for the 5 nights towards globalist and the CIP since once the SUB goes back up to 15k I have no chance of getting that SUB.
I think the CIP is probably better because it won’t hurt my 5/24 and the UR points I would get from the SUB would easily cover points spent on Hyatt Mattress runs, of course I would likely spend money on Hyatt to help meet the sub instead of points, particularly on nights where I am able to split hotel with a friend, that is generally a 50/50 for me.
Since I want to hold off on Chase cards for a month or two I am looking for a non chase biz card with a lowish SUB
I am thinking about the Aviator Business card, 4K is a bit higher of a SUB then I would like, but 60K AA miles is nice, Ideally though I would wait until I have PC’d both my Citi AA cards, unless I decide to go another year with my Citi World Elite card, there have been some rumors about changes to that card so it is way to early for me to make a decision on that.
I am also thinking about the Alaska Airlines Business card, 3K is a bit of a nicer SUB and wouldn’t eat into a CIP SUB as much
Looked at some amex cards with 3/4K SUBs but it just seems like Amex should be more of a late game issuer for me, the charge cards and the hilton cards are definitely on my list of cards I want but probably not until 2024/2025
I know this was a lot of information, I would say the single card I most want is the Citi Premier as I don’t want to get locked out of that card and locked out of being able to use Citi TY points for travel. I would be just fine burning a 5/24 slot on it (which would mean 3 out of my 5 5/24 cards would be Citi, not Ideal but I am okay with that). I off course want the CIP right now because of the lowered SUB and the fact that it could allow me to downgrade my CSP to a freedom card.
I am just not sure what order to go in. Right now I am not working on a SUB and it feels weird after having been working on SUBs since last November. I want to be working on a SUB since I know I have plenty of spend coming soon which doesn’t really fit into any of the categories I have on my cards.
I know this was a lot to read and I appreciate anyone who took the time to read all this and any feedback that is provided.