I don't have a debt problem, I have a new credit card problem. I can't stop opening them and collecting sign up bonuses & cash back rewards. Don't worry, I pay them all off every month and haven't paid a dime in interest or late fees.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:

  • Park National Platinum Visa (formerly Secured) - opened March 2020 $1,500, April 2022 converted to unsecured card, May 2022 CLI to $3,000 (current)
  • Amazon Prime Store Card - opened April 2021 - $3,000 limit, March 2022 requested CLI to $6,000 - achieved $150 SUB (gift card) - closed May 2022
  • Chase Amazon Rewards Visa Signature - opened September 2021 $1,500 limit, auto CLI March 2022 to $3,000 (current) - achieved $100 SUB (gift card)
  • American Express Cash Magnet - opened September 2021 $1,500, March 2022 auto CLI to $3,000, April 2022 requested CLI to $15,000, May 2022 moved $14,000 to Blue Cash Preferred ($1,000 current limit) - achieved $200 SUB
  • American Express Blue Cash Preferred - opened March 2022 $8,000 limit, May 2022 moved $14,000 from Cash Magnet ($22,000 current limit) - disqualified from $300 SUB on this card due to Cash Magnet card (oops).
  • Fidelity Rewards Visa Signature - opened March 2022 $15,000 limit - achieved $150 SUB
  • Discover It Cash Back - opened April 2022 - $6,000 limit
  • Citi Custom Cash - opened May 2022 - $3,000 limit - $200 SUB in progress

• FICO Scores with source: 730 (Experian FICO8), 750 (TransUnion FICO8 via Discover)

• Oldest credit card account age with you as primary name on the account: 2 years 2 months

• Number of personal credit cards approved for in the past 6 months: 4

• Number of personal credit cards approved for in the past 12 months: 6

• Number of personal credit cards approved for in the past 24 months: 7

• Annual income $: $60,000 ($55,000 salary, ~$5,000 bonuses)

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: Yes
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
• Dining $: $500
• Groceries $: $1,200 (family of 5, sole income)
• Gas $: $100
• Travel $: $100
• Do you plan on using this card abroad for a significant length of time?: No
• Any other categories or stores with significant, regular credit card spend?: $200 (Amazon), $100 (Stockpile)
• Any other significant, regular credit card spend you didn't include above?: $200 (online shopping)
• Can you pay rent by credit card?: Yes, but 3% fee

MEMBERSHIPS

• Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer?: Yes, Amazon Prime
• Current member of Chase, US Bank or any other big bank?: Yes, Chase
• Active US military?: No
• Are you open to Business Cards?: Yes

PURPOSE

• What's the purpose of your next card?: Cash back/SUB

• Do you have any cards you've been looking at?: Yes - Chase Freedom Flex, Capital One SavorOne, US Bank Cash , Bank Of America Customized Cash

I realize I need to wait a while until I apply for any new Chase cards. Capital One also returned 0 results with their preapproval tool. In your opinion, what would be the next card I apply for, and how long should I wait/garden? I wasn't planning on applying for the Citi Custom Cash earlier today but they sent me an offer in the mail and I impulsively scanned the QR code. 5 minutes later I was approved. As soon as I receive the card I should have the $200 SUB completed within a month or so - debating using groceries as my first billing cycle % so I can milk the $6,000 limit on the Blue Cash Preferred just a little bit longer (on track to max out those rewards within the next 4-5 months).

Any tips or advice for maximizing my cash back rewards & sign up bonuses would be appreciated.