For sure.
FWIW: I like to avoid doing the AU thing now to prevent any 5/24 Chase application snafus.
When I need both DW and I to spend on a card I keep the card info in my password database so I can use it online, add it to my phone’s digital wallet to use in the real world, then give her the physical card until we hit the spend.
No problem spending on it for either of us, no one ever checks names on cards anymore!
YES! You’d explained that and that’s great. For $10K I’d have to be very aggressive though.
Im about to do a new card with $4K in 3 mos and hoping to manage it with just DH’s name. But we’ve paid off WDW and have no STRONG way to ensure we hit the mark. And with the rewards maturing in the new year I don’t even have a trip-related goal to psych me up. I’ve lost my edge 
My interpretation would be, for example, your account open date is Jan 10th. On the following year, the date used will be the statement that closes and includes Jan 10th- so maybe Feb 15th or so- just depending on how they determine what closes the very first statement. So then you would have to wait to charge after that statement closes. Can you charge your early bird on the following statement but still close the account to get the reverse yearly fee. I think so. And you would still have a subsequent bill for charges between the statement closing date and the date you closed the account. DH closed his account a few days after the statement closed and was refunded the fee. But still had another statement with a couple charges on it.
So she called back this morning and at first the rep said “you’re right, you should get the credit” but then said “no, it has to be after the statement closes”. So DW just said we’ll pay the EB fee, close the account to which the rep said, “well if you keep the account open, we’ll give you a $100 credit”. This clearly blew DWs mind and she clarified that they wouldn’t credit the $46 EB, but would give us $100 to keep the account open? She wasn’t up for playing games with this so just closed the account.
Just wanted to say one more thing on this SW Biz card offer after it has rolled around in my head for a couple of days: I still do not like.
BUT: What I didn’t see in the first place is that you can earn a Companion Pass with this offer on a single card bonus, so that might edge it a little closer to the “worth it” side of the scale I suppose.
Especially true for people who are close to hitting the Chase 5/24 limit and would rather not do the personal + business card combo and send themselves over the top.
However, I still prefer the 2 card combo myself.
Assuming there is a typical biz card offer in a month or two and if I am approved for one I will likely end up with something like:
Again, I could then use the remaining $7K spend I didn’t throw at the elevated biz card offer to get a Chase Ink card for 90K+ UR, or hit up Amex, Cap One or Citi for something interesting and to diversify my points holdings for the future.
Or, if I knew someone who wanted a SW card and could start with it in the new year, I could simply sit on my 100K personal card offer and then send them a referral in January to get 20K Rewards and finish off the spend on my card. Voila! CP.
Thanks for sharing your well thought out analysis of the SW card offers—It makes me feel better about my thinking on this. My husband (not me) got the 120k biz card offer about a week ago at which point he still hadn’t signed up for the personal card with the 100k offer. We decided to just go with the personal card and wait to see if the regular business card offer comes later this year or even early next year. He ended up signing up for the personal one on the last day of the offer.
We’ve never both held companion passes at the same time before but assuming things go to plan, this will be the case. Will we be able to book on the same reservation and each add our companions (the kids), or will we need to each book separately?
Yes, you can book together and use the CPs. As long as you have a ticket you can use your CP, doesn’t matter if someone else paid or use their points for it. 
I hold the CP but I’ve gone through my points for the most part. DH books my ticket on his points and then I add the CP from my account. The CP gets added after the fact. I usually wait till closer to the trip to add my CPs ticket, that way it’s easier to modify for a better rate.
Chase Sapphire Reserve is increasing its annual fee to $795 from $550 and in return offering a bunch of new credits but you have to do some work in order to claim them. CSR has been my main travel card for several years and I have to decide whether to keep it. The increase will hit me in Sept ‘26 so I have about a year to try out the new credits and see if they’re worth it.
One of the more interesting new credits is a $250 hotel credit for 2-night-or-longer stays from their “The Edit” collection which tends to be the more expensive hotels in any city. Best advice I’ve found on reddit is look for shoulder season, and then book a 2 night stay through the chase portal using a combination of points and cash, leaving $250 to be paid via cash, and the rest via Ultimate Rewards points. The points are worth 2 cents each when booking The Edit instead of the usual 1.5. Example:
$400/night stay for 2 nights = $800
pay $550 using points = 27,500 points
pay the remaining $250 by charging to the CSR which is offset by the $250 credit so net $0.
So net I’d get an $800 stay for 27,500 points which is a pretty good deal.
Plus The Edit provides free breakfast, $100 hotel credit for incidentals, and if available, 12pm checkin, 4pm checkout, and room upgrade. Feedback on reddit I’ve seen is positive on the upgrades. Some hotels required work to get the $100 hotel credit to go through properly.
Caution: The Chase portal isn’t guaranteed to have the same base prices as booking directly with the hotel, so always compare to make sure you’re getting a good deal.
I haven’t seen much interesting The Edit hotels close to WDW, but I have found some in other cities on our “like-to-visit” list. I’m planning to use it for 2 night mini vacations.
The Edit benefit is up to $500 per year, in 2 up to $250 credit chunks which can be used any time during the year (not separated into semi-annual credits) to book 2+ night stays.
My renewal is Sept 2026. Dh’s is Feb I think. We’ll downgrade his CSR to a CSP (he has a CF and CFU) then wait to see what works for me.
I have about 200,000 each of Capital One and Chase points. I would like to use them to fly from Boston to Vancouver and then Anchorage back to Boston. Looking like it’s JetBlue, Delta or Air Canada. Before I get too deep down points rabbit holes, does anyone here have a high level of how I can start with this? I assume I transfer the points somehow?
I still haven’t gone too deeply into using my points for flights (but hopefully will soon.)
You might try playing around with a few aggregation search tools to get a feel for what is out there - although all have their flaws and may not be 100% accurate.
The advice is usually verify any award space you think you see on a search tool directly with the airline itself before transferring any points into an airline system.
Frequent Miler has a bunch of good how tos if you search through them:
Some search tools:
Points Path is a nice browser extension that overlays points bookings onto Google Flights:
I used AwardTool to help plan our Europe trip for December flights-wise using Chase and Capital One points They have a free version though I paid for the full version. I found it easier to navigate than PointsYeah FWIW. And then PointsPath is good for figuring out whether the points is even a good deal.
I co-sign everything JJT said above. If you’re new, though, one of your first steps will probably be signing up for frequent flier programs. I used Air Canada, Virgin Atlantic, and Air France/KLM to book our flights…
Thank you both!
This part I wasn’t really even thinking about. I guess I am just too used to using JetBlue where I could book any flight on points. I will have to study up.
That is the value of these tools, in terms of telling you which program has award space for a particular flight. If you are looking for anything above Economy, space at a reasonable point level is hard to find but it is worth even a one-month $10 subscription so you don’t have to look at a half-dozen different airline sites.
@JJT I don’t generally follow this thread, so I apologize if this question has been asked and answered:
Do you have a recommendation for how to get a credit card for a teenage child for emergency purposes?
Specifically, should this card be linked to an existing credit line, or should it be isolated from parents’ credit cards?
Sure, that’s easy: You can give them an authorized user card on one of your accounts.
Chase doesn’t have a minimum age AFAIK and I believe Amex min age is 13.
Amex is good because you can place spend limits on the card as well.
Added perk is Once they hit 18 the cards will also help start building their credit profile. I even created AU cards for my kids with a couple of my oldest cards to make their profile have a longer history- I just didn’t give them those actual cards. It doesn’t make their FICO score increase too much, but does move the needle over time.
Thank you! This is helpful. 
I’m still an authorized user on my parents card believe it or not. It’s my longest line of credit so it’s great and now we’ve come full circle where I use it to buy birthday gifts for our kids or groceries for them. Obviously it might not work for all families but it comes in handy for us. We should probably think about adding DS9 at some point soon.
Can anyone confirm that standard WDW restaurants (QS, TS, bars/lounges) code as restaurants (and therefore at 3x using the CSP)? I did a basic internet search and got responses that give me 75% confidence but I figure this is the place on the internet most likely to have an accurate response. I’m a party of one about to spend 2.5 days mostly at QS & lounges so it’s not a big deal if I should be using just a Capital One Venture card earning 2x regardless. (I’m not taking a party of eight on a tour of EPCOT signature dining restaurants). I’m not planning on using a MagicBand or charging to the room, so no complications in that regard. Thanks in advance!