Yeah, I thought about that, but the spend would be a little tough. 3k should be cake for us in 3 months. 6k would be pushing it, and I'm a little too lazy to go the bluebird or square route right now.

Not to mention, her credit history is a little more fragile than mine. We've worked to get it up the past few years, and I am hesitant to take any risks with it between now and buying the house.

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Posted by keeton350

Member since Nov 2005

596 posts

Posted on 5/5/15 at 1:15 pm to kennypowers816

Looking to take a disney cruise next fall. What would be a good option on getting travel points to pay for this? I saw a few cards that over 40k or 50k sign on bonuses but i just dont want to get the wrong cards if there is a better way that you guys know of. Thanks

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Posted by VABuckeye

Naples, FL

Member since Dec 2007

35697 posts

Posted on 5/5/15 at 1:17 pm to kennypowers816

The United offer will give you 55k miles if you get the card with your wife as an authorized user. Personally, I wouldn't cancel the card. It gets you a free checked bag and if you fly United a fair amount that can easily justify the annual fee. Your companion will also get a free checked bag provided they are booked on the same reservation. Additionally the card has no foreign transaction fees.

I would get the card now for yourself and then apply for your wife when the offer comes around again. If she doesn't get approved it is not a big deal and doesn't affect her credit score at all except for a few points off temporarily for the hard pull.

Hope this helped.

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