<prompt> Human: I will be getting married later this year and want to maximize the money Ill be spending for the wedding through credit card signup bonuses. Neither of us have any Chase cards and I am currently 124 and she is 024. She has been using the same credit card since our college days.My plan is to have both of us apply for various Chase cards, then downgrade them to avoid the annual fees. I plan on keeping the Chase Sapphire Reserved to maximize the Ultimate Reward Points. Initially, my plan was to simply make myself and my FW, AUs of each others downgraded cards. I am wondering if it would indeed be better to have separate credit cards since I would be able to utilize the points on her cards since we will be in the same household. These are the two best scenarios that I came up with.Assuming I meet all the minimum spending requirements...Scenario 1Me Apply for CSP 50,000pts, then convert to Freedom make FW a AU Apply for CSR 50,000pts, keep it FW Apply for CSP 50,000pts, then convert to Freedom Unlimited make Me a AUScenario 2Me Apply for CSP 50,000pts, then convert to Freedom Apply for Freedom Unlimited 150, keep it Apply for CSR 50,000pts, keep itFW Apply for CSP 50,000pts, then convert to Freedom Apply for Freedom Unlimited 150, keep itAs stated earlier, my initial plan was to have us share the Freedom and Freedom Unlimited by making each other AUs on each. Would it actually be better for us to instead keep those credit cards separate and have our own sets of the Freedom and FU?  <response>: Head over to rchurning. They live and breathe this sort of thing.Make sure to read the wiki. 