Have you signed up for a business card yet?
You don't need to have a business, only a "business". e.g. you occasionally sell things on craigslist/ebay.
For instance, my wife and I recently each opened a Chase Ink Preferred card by registering our "businesses" as a sole proprietorship. We reported business income of ~2000/yr. We are currently working our way through the minimum spend of 2 x CIP, 1 x SPG biz, 2 x JetBlue Plus. After this we will shoot for 2 x SPG personal, 2 x CIC, 1 x double dip on CSP/CSR, and then who knows what else.
I think the CIP may be a great card for you, but it does require you both to be < 5/24 with chase.
It is incredibly easy to route everything single item of organic spend you have through a CC now-a-days. We use venmo and plastiq quite a bit to pay rent/taxes/utilities etc. Don't MS very much at all (besides funding a 529 through GoC gift cards for our newborn, if that counts).
The current CIP deal is spend $5000/3months and get 80,000 UR points ($800 cash), or 1.25x or 1.5x (if you have CSR) travel. Or you can try for an in-branch only offer (through BRM) of spend $5000/3months (I didn't bother with this - it seemed like too much hassle)
You can absolutely get the card within 2-3 days, simply call in after you are approved and ask for the card to be expedited.
Buisness cards are great because 1) They do not take up a personal card slot 2) For most people, they are a source of untapped (big) bonuses. It is an art form to optimize the ordering of CC sign-up-bonuses :)
Should you decide to go for the Ink Preferred (CIP), if you go through a referral link, then the person who referred you gets an extra 20,000UR. I am sure anyone here would be grateful for you to go through them (myself included!), and then you yourself refer your wife to get an extra 20K (exactly what I ended up doing). So you will spend $10k and receive 180,000 UR ($1800 cash or $2700 in travel with CSR)
Chase has this new (one sapphire rule), where they only let you hold 1 chase personal sapphire product (preferred / reserve). But there is a trick where if you have niether, you can apply for both a preferred (CSP) and a reserve (CSR) in the same business day and get approved for both.
https://www.reddit.com/r/churning/ is the ultimate resource. good luck!