Here at TPG, we love adding credit cards to our wallets. Whether we're looking to earn more points and miles or enjoy a new suite of benefits, there are plenty of reasons we enjoy getting new cards.

However, there's still an application process to get through, and you have to be approved for every new piece of plastic (or metal) you collect. You always want to consider your credit, as well, because if you're denied, you're getting a hard inquiry on your credit report (and the resulting temporary drop in your score) without any upside.

If you look into the premium American Express Platinum Card®, the versatile Chase Sapphire Preferred® Card (see rates and fees) and a cobranded card like the Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees), you'll notice that all three cards are issued by different banks.

A great solo travel tip spotted this week on The Points Guy Articles.

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