Pls critique my card strategy:
1. Amex gold for dining/grocery/deliveries and moderate protection benefits
2. Citi custom cash for gas purchases with 5% cash back
3. Chase freedom flex for good travel protections, and 5% rotating cash back
4. (Optional if I travel more) CSP: To earn good travel rewards, with good protections

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5. Western Union for money transfers

funny

Not a card strategy, but sure. Send cash with relatives for max benefit.

You are missing a good travel card, and a decision of which rewards system to focus on. I used to have the CSR and the Chase Freedom. It was a good combination and catered to my basic travel needs.

As my travel frequency increased, I downgraded the CSR to CSP, and committed to the Amex ecosystem: focusing on Plat, Gold, and BBP. Why? I get ample points from dining and groceries (gold), decent points from flights and hotels (plat), expansive airport lounge access (plat), and generous travel protections.

I kept my CSP for times when Amex is not accepted. I also have a venture X and Apple Card for convenience.

Let me know if you have any questions.

They don’t reward for grocery and gas purchases, just travel and dining though

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