Hi all, pretty new to the credit card thing. Is it a bad thing if I get a beginner no annual fee card with one bank and a semi premium card with another bank? For ex. Chase freedom unlimtd and Amex gold card? Are there any major downsides to this?

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Nope. In fact I heard it's a positive because when you buy a home you have more lender reliability with different banks.

Ps: lmk if you need an elevated offer for amex gold or any amex. Have higher referral offers than public currently

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That's not bad, just be careful around your availability to meet minimum spend requirements in the first 60 or 90 days after approval. If you have too many new cards, it'll be harder to meet the threshold naturally.

Also be cognizant of chase bank's 5/24 rule.

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https://thepointsguy.com/guide/ultimate-guide-chase-5-24-rule/amp/

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