What’s the simplest credit card optimization strategy given SPG changes? Used to have CSR for business and SPG Amex for personal spend. Doesn’t seem like that’s the best 1-2 anymore

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Combo of CSR and Freedom unlimited. Add freedom if you’re so inclined

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Not sure about simple, but I use Uber (restaurant 4%, travel 3%, online shopping 2%) + Freedom (quarterly category like gas station or restaurant 5%) + Blue Cash Preferred (grocery 6%, department stores 3%) + Costco (gas station 4%) + Discover (quarterly category like Amazon 5%) + Freedom Unlimited (everything else 1.5%) for personal
Almost all of these have zero annual fees as well.

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SPG Amex was the gold standard for personal spend, those sweet, precious SPG points

I also just use the CSR for personal spend now too

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I just use my CSR for all personal spend

Don't think that was ever the best 1-2...

I think you’re right but it was a convenient and valuable enough 1-2

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