I need someone to tell me if it makes sense for us to apply for a SWA card of any kind. We aren’t what I call frequent flyers, we (3 of us) probably fly RT to MCO 1-2 times a year, and (2 of us) sometimes RT to HOU 1 time a year or at least every other year. We normally fly from MEM, but can fly from JAN, if that means anything. We just purchased DVC in May on our new CSP (which we got in May just to make the purchase for the SUB). I’m sure I’ll give more info below then anyone needs, so sorry about that.
We have these chase cards already. My husband and I are both authorized users on all of them, except he’s not on Slate or Disney
*Regular Freedom (since 09/2005)
*Slate (since 07/2015) only me
*Freedom Unlimited (since 05/2016)
*Amazon Prime visa (9/2012)
*Disney visa (since 10/2008)
*Sapphire preferred (since 05/2022)
Then, if it matters, we also have 2 Citi double cash cards, regular discover card, Barclays upromise and old navy and us bank Kroger and platinum visa I think it’s called, lowe’s, Victoria’s Secret, care credit. The newest one we got in 2016 and the oldest in 2005.
Looking at my chase app, I only have 1 credit inquiry from 5/2021
My husband shows 4 credit inquiries: 3 were on 10/2021 for buying a truck, then 1 on 05/2022 for CSP.
I’ve tried to do some research on my own, but all the SWA card options overwhelm me. We do not have a business. We are not accustomed to AF’s so that’s a whole new thing to us. We always buy EBCI on flights. I charge everything possible on whichever card is best for the situation, even though I hate having all those monthly patents, plus it’s a lot to keep up with. Mostly I use CSP now, and regular Freedom for bonuses. I buy gas and groceries on Kroger. I use Amazon every time I make an order, which is a lot
That’s pretty much it. We are not big spenders except for on vacation so maybe an average $2,000 a month in recurring charges. The SWA CP intrigues me. I saw where it’s recommended to apply in October and let it post in January for the full advantage of time. We do plan on a total kitchen remodel in the near future so that’ll be a big cost for us that we could put toward the SUB. No estimate yet on cost. We also plan on a trip to Aulani in the next year or two using our new DVC points.
What would be the best thing to do or is it worth it to us to add this card to our pile? I just don’t want to get it if we wouldn’t maximize its benefits with our limited flying each year and want to make sure if we do get it, the AF is worth paying. I certainly don’t like to waste my money and I hardly ever cancel a credit card as you can see, because some of them haven’t been used once in years and years. I’d like to hear from the experts please !!!