// PASION ENGINE · CREDITLIFT PROTOCOL
STRATEGY
// last_run: --
2 agent picks pending approval
Cards in Stack
5
active_sequence
Pending Approval
2
agent_picks
Next Apply Date
Mar 28
Sapphire Preferred
Est. Total Bonuses
$12,400
across all cards
Credit Stack5 CARDS
| # | Card | Type | Bureau | APR | Fee | Enrollment Bonus | Min Spend | Apply Date | Status | Actions |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CHA Sapphire Preferred Chase | Personal | EXP | 15 mo | $95 | 80,000 pts after $4,000 spend | $4,000 | Mar 28, 2025 | ||
2 | AME Gold Card Amex | Personal | EQX | — | $250 | 75,000 pts after $6,000 spend | $6,000 | Apr 15, 2025 | ||
3 | CAP Venture X Cap 1 | Personal | TU | — | $395 | 90,000 mi after $4,000 spend | $4,000 | May 1, 2025 | ||
4 | CIT Premier Citi | Personal | EXP | — | $95 | 60,000 pts after $4,000 spend | $4,000 | Jun 15, 2025 | ||
5 | BOF Premium Rewards BofA | AU | ALL | — | $95 | 50,000 pts after $3,000 spend | $3,000 | Aug 1, 2025 |
Agent Strategy Notes
// updated: --1
Chase first. Sapphire Preferred must be applied before any Amex products to preserve the 5/24 slot. Amex applications do not consume 5/24 but can influence Chase's internal velocity rules if sequenced incorrectly.
2
Bureau targeting. Directing Chase pull to Experian. Current Equifax inquiry count is elevated from Q4 activity. Protecting Equifax keeps a cleaner bureau for the Amex Gold application in April.
3
Venture X window. Capital One pulls all 3 bureaus. Minimum 91-day gap after Chase is required to allow score recovery from hard inquiries before Capital One's multi-bureau pull.
4
Bonus stack estimate. At current reward valuations: about $1,800 travel equivalent plus $850 cash equivalent across Q1 through Q3. Minimum spend timeline appears achievable within normal monthly spend patterns.