Currently use my chase sapphire reserve and my chase freedom. Recommendations for a third credit card? Why? Thinking of getting the freedom unlimited

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That's the trifecta. Go for it

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Product change not eligible for signup bonus. Need to do new app. Man you guys suck at credit cards.

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Theres no added complexity. Just hook everything Up on mint.

No reason to give Up thousands in rewards every year. AMEX plat is a very average card.

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I use AMEX Plat to consolidate all spend less rent. The idea is to simplify the management of outgoing funds, while getting discounts/points/perks/value.
I have a separate MC as a back up line of credit for my consolidated income account (checking). The idea here is to mitigate risk against any unexpected income gaps.

For those that want more cards, I get that some enjoy the points game, but I think others get sold on short term, unsustainable benefits "sign up today and save", and then have introduce more complexity into their lives. This is tough to quantify, but it is a cost.

Why do you want more cards, OP?

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Why ^?

Downgrade sapphire reserve to sapphire preferred and get 50k more points

Looking to get a third CC to maximize points and benefits considering everything goes on a CC anyways. I use Chase so it's very easy for me to have all spending visible. I also track spending and points very closely anyways, so really not worried about complexity. Would rather make sure I'm maximizing all possible benefits than try to simplify CCs; that would seem like a big missed opportunity for me

Yes Freedom Unlimited. Trifecta as A1 said. Nothing beats it. Just be conscious of categories when you go to pull a card out. When in doubt go with the Unlimited.

amex everyday is free

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