I’m trying to figure out where I actually have gaps in my current setup and what card makes the most sense next, especially with some big spend coming up.

    I originally picked up the CSP mainly for Hyatt transfers (I value hotel redemptions more than flights), and I’m in a Delta hub so Amex MR → Delta is still useful when needed. But now I’m reevaluating everything more holistically.

    I’m planning to downgrade my Amex Platinum later this year. So I want to understand:

    – Where do I actually have holes?

    – Is there a no-brainer card I’m missing?

    – What’s the best next SUB given my setup?

    I’ve been looking at options like Wells Fargo Autograph, Citi Strata Premier, or Capital One Venture Rewards (especially with the $250 travel credit right now), but I’m not sure if any of those actually add meaningful value vs. just grabbing another free card.

    1. Current cards

    – Amex Blue Cash Everyday

    – Amex Amazon Business Prime

    – Amex Platinum (will downgrade/cancel later this year)

    – Chase Sapphire Preferred

    – Chase Freedom Unlimited

    – Chase Freedom Flex

    – Chase Ink Business Unlimited

    – Chase Amazon Prime Visa

    – Discover It Cashback

    – Wells Fargo Active Cash

    – Bank of America Customized Cash

    2. Profile

    – FICO: ~800

    – Oldest account: 15 years

    – Chase 5/24: 4/24

    – Income: ~$200k

    – Open to business cards: Yes

    3. Average monthly spend

    – Dining: ~$300

    – Groceries: ~$200

    – Gas: ~$50

    – Travel: ~$25

    – Other: ~$100

    4. Cards I’m considering

    – Capital One Venture Rewards

    – Citi Strata Premier

    – Wells Fargo Autograph

    – Robinhood Gold Card (3% catch-all, no SUB)

    Where are the gaps in my setup? Looking for next SUB + overall strategy
    byu/fohfdt inCreditCards



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