VTSAX to VTI at Vanguard

[endo4jc]

My spouse and I have $35K at Vanguard in VTSAX in a taxable account. Our goal is to get to $100K then transfer to Merrill Edge for the Preferred Rewards and the cash back cards. I understand that holding VTSAX at Merrill Edge is not recommend due to fees associated with tax loss harvesting. My questions are...

-Is it reasonable to keep VTSAX at ME and not plan to TLH there?

-Is it considered a taxable event to convert VTSAX to VTI at Vanguard in a taxable account?

-Should I just start buying VTI at Vanguard now and not bother with converting/selling the VTSAX to VTI?

I won't have the $100K needed until end of 2020/early 2021.

I wouldn't necessarily plan to keep investing in the taxable account at ME as I know VTSAX has fees there. I would just go back to Vanguard and restart adding in taxable. I want to keep just enough at ME to quality for the preferred rewards and get the 2.625% cash back credit card.

Thanks!

[Peds]

reasonable? sure. but no reason.
read why here: https://investor.vanguard.com/etf/faqs

kind of a strange plan. you can get a citi 2% cash card now and not have to think about this.

[endo4jc]

reasonable? sure. but no reason.
read why here: https://investor.vanguard.com/etf/faqs

kind of a strange plan. you can get a citi 2% cash card now and not have to think about this.

I already have the citi 2% cash back card. Just trying to play the game and maximize gains, just like in the gym.