Just got the CSR card. Debating whether to continue using my AX Blue Preferred (6% groceries, 3% gas), CapOne Savor (4% restaurants), Hilton AX for hotels only (no annual fe, and Bonvoy Visa for hotels. Continuing to pay for the Bonvoy is nice since it gives a free night every year. Also continuing to pay for AA and UA cards for the free luggage check and priority boarding, but don’t use them otherwise. I feel like I’m paying a lot of annual fees now and there’s something to consolidate here.

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I’d get rid of the CapOne savor. You get 3x points from CSR for dining and you can usually redeem that for at least 1.5X which is like 4.5x points, so better than CapOne rate. See if you can downgrade CapOne card to a no annual fee option Vs closing the account which will help your credit score.

Maybe get rid of either AA or UA or both. I usually try and pack carry on though so I don’t find free luggage as beneficial. I also love CSR travel protections and benefits for trips, but those won’t come into effect if you are using an airline credit card. If you want to keep one maybe try and be more loyal to the other.

In my experience, for the AA credit card you don't have to pay with that card for the free luggage benefit - it just shows up on your account

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