A bit newer to the points thing. I am looking for my next SUB after having the CSR for almost a year, I was looking at the Ink Business cards but I am not sure which one people think is best. I am also looking at the AMEX plat and I would appreciate any and all thoughts on these cards or if there is another with a good SUB to go for.

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Above advice is great. Amex has introduced family language that prevents someone from getting a SUB for a lower tier card within the same family if you have a more premium card. If/when you dive in to Amex, get green or gold and work your way up from there. You could get green/gold/platinum subs if you get the cards in that order. If you get plat first, you’re ineligible for gold and green which is huge points left on the table since gold is such an easy card to maximize value with

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I have my Sapphire Reserve paired with the Ink Business Cash (no annual fee). I use the Ink Business Cash to pay for internet, phone, TV, Spotify, and Visa/Mastercard gift cards from Staples for 5x points. The gift cards take more work to keep up with (DoctorofCredit.com) and registering them, but then I use them to pay for other things outside of 5x categories.

If you’re thinking of downgrading the Reserve to Preferred and would use all the “coupons/offers” on the card, then I think it could make sense to get the Amex Platinum personal. I’m not as familiar with the Platinum business. Also, try to time the sign up of Amex for a bit later so you can double dip on the card’s offerings because it goes by calendar year, not sign up date.

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Ink Business Unlimited is the best way to go right now IMO. Solid elevated offer of 90k points on a $6k spend, plus 1.5x points on all purchases in that $6k. No annual fee either.

No fee ~99k point SUB is a no brainer to me. Then if you have more money to spend, pivot to Ink Business Cash for another 90k SUB with no annual fee.

If you’re looking at maximizing SUB and minimizing annual fees, stay away from AMEX for now.

Feel free to DM, happy to give more specific advice around Ink/share my referral link if this was helpful.

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