Which Card Should I Open Next?

CREDIT PROFILE

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

* Player 1:

* Chase Ink Business Preferred

* Player 2:

* Capital One Venture X

* FICO scores with source: TransUnion, 819 Equifax, 817

* Oldest credit card account age: 7 years

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 0

* Annual income $: $130,000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: 300

* Groceries $: 400

* Gas $: 200

* Travel $: 650

* Using abroad?: Not necessarily, will use when beneficial

* Other categories or stores: None

* Other spend: No

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Chase, Citi

* Open to business cards: Yes

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: No

* Cards being considered: Chase Ink Business, Capital One Venture X

ADDITIONAL INFO

I am about to make a $6,000 purchase, looking at these two cards for their SUBs. I primarily use points to travel internationally, and I'm torn between these two cards.

I see more benefit from Chase transfer partners than Capital One. If there are better cards that come to mind, please share them!

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For Venture X:

• 85,000 mile SUB
• I would use the benefits of the Venture X card, likely meeting the annual fee with credits, but only for one year.
• I don't travel to locations with lounges frequently, and I am willing to pay to enter a lounge if needed.
• I already have rental car coverage through my Chase Sapphire Preferred card and don't stay at hotels often.

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For Chase Ink Business:

• 100,000 point SUB
• I prefer the Chase transfer partners
• I will not meet $150,000 in spend for 3x points
• I do not use DashPass, and I rarely use Lyft
• I will not use this card often after opening it

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If there are better cards that come to mind, please share them! Thanks!