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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Interesting post. Following.
I use - Amex blue cash preferred- For groceries and gas - 6% and 3% no cap
Travel and Dining - CSP
Everything else - Chase freedom unlimited 1.5%

Looks like I am missing out, Can’t apply anything now, as trying to buy a house as we will be moving soon.

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Someone was saying the other day that for mortgages they look at credit as excellent, good, & bad, so hard enquiries don’t matter much? I’m not sure myself..

CFU makes sense with CSP, as you can roll up the points. Throw in an amazon prime 5% card too.

Amex BCP $95 fee will eat into the cb earned, and the cb is more solid than points, which can give more value sometimes. Gold also rewards more for dining than CSP, and pays for itself with the $120 uber and grubhub benefit.

Amex blue cash for everything, use return protection on all items you no longer require

helpful

What’s you card for things besides food, gas, and travel and what do you get on that?

I use 2 cards for 99% of my spend. Fidelity’s 2% back card for almost everything. Amazon for Amazon and Wholefood. Although the most valuable redemption I have is probably my GM card which I’ve redeemed 3 times for a total over $10k (based on 5% accumulation on all purchases redeemed on a GM car). But I don’t use that card anymore and I don’t think the benefits are as good today.

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Is Amex gold better than CSP? Not sure if it's worth paying the higher membership fee.

Plus amex gold rewards for grocery store purchases

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