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Stay chase with 5/24. Would recommend to take either the Chase Sapphire Preferred: 80,000 bonus link:
https://www.referyourchasecard.com/6m/K1RKW1JWSU
Can also go with the business cards for 0 annual fee a year and 0%: 100,000 bonus points referral link:
https://www.referyourchasecard.com/21m/D6U805E9SZ
The 100k offer is for the business premier ($195 a year)
The bill medical / life stuff part of your anticipated $14K spend likely won’t fall into any of the bonus categories of the chase and Amex cards so you will get 1x. So get the venture X so you can get 2x points.
I blame it on human nature lol
I have Venture X & Boundless. Both are must haves imo.
Venture X = pays you $5 per year. Lounge access meh, but still overall great card.
Boundless = great sign up bonus + 1 free night per year covers the AF.
Happy to refer for either, shoot me a DM!
Venture X is the best card in my opinion. There’s essentially no fee and there are a ton of benefits. DM for referral if interested or have any questions.
They’re creating more lounges for capital one over time, so far only a few exist. More upcoming. Right now it’s mainly priority pass.
Pro
You might want to consider Chase Sapphire Reserve or Preferred. Both have better points value than most, and you can transfer points to United, Marriott, Hyatt, and several others.
If 5/24, even then the business Ink card is giving a better bonus for now. Can keep it at 0% and then if you can space out the payments 30 days apply for the preferred or reserve
Venture X is fantastic. I have reserve, Amex platinum, Amex gold. Gonna downgrade my reserve soon. Let me know if you need a referral for Venture X, it’s harder to get approved if you have a lotta cards regardless of your credit score
Yes exactly. OP let me know if you’re interested- happy to refer :)
Venture X hands down. CSP and Amex Plat too. I have Bonvoy Brilliant, not sure if I’m gonna keep it long term but it’s good if you can find a good redemption for the points making this card basically free.