Hello smart people. I have 2 credit cards now: chase freedom unlimited and Amex Gold. I plan on using Amex for all restaurants/groceries and the chase card for everything else. Is this a good plan? Or should I just use the Amex for everything and get rid of the chase card?

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I’d keep the Chase card since you run into a place that doesn’t take Amex.

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Yes. It makes sense to choose the system that works for you and only lean there for points. Corp card is Amex, so I optimize personal spend for Amex points

Doesn’t move the needle much either way. Just keep churning for sign up bonuses

Depends on the specific card and the benefits on each. There are so many offerings under each brand, you need to be more specific.

OP was very clear about which cards they have…

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If you make me an authorized user, I can help you accumulate points twice as fast.

I just use my debit for everything - one CC for emergencies

Just how I was raised, I have no idea what to do with CCs, I was told to only use them in emergencies, so I’ve tried to stick to that. My debit charges for everything, and I know where all my money is, how much I’m spending and how much I have left

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