Currently have CSR, Amex Plat, Amex Gold, Amex Bonvoy. Which to downgrade VS. keep? I know if I downgrade CSR, points are worth less but is it true for my Amex?

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How do you justify fees on all those cards besides Plat and CSR?

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AMEX MR points are the same regardless of the card. I keep bonvoy and Hyatt cards just for the free night and don’t use them. The value of those nights exceeds the annual fee. AMEX gold doesn’t seem to have a lot of value above the other two so I’d get rid of that. CSR and AMEX Plat have some overlap, like priority pass. AMEX plat also gives you access to Delta SkyClubs and AMEX’s own lounges. If you value those, I’d keep the AMEX Platinum. CSR offers much better point earning on dining and hotels. I spend enough on those for what had effectively been a $150 fee for the CSR to be worthwhile, but if you don’t, drop that and keep the AMEX.

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I had the first year bonus for gold. If I'm on a travel project (we use amex only), I can likely even off the annual fee. Bonvoy makes sense due to the annual night free.

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