Frazzled Credit Card Choices

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Wells Fargo Autograph Card, 15k limit, age – 9 years & 7 months, I have about 228,525 points

* Discover Cashback, 10k limit, age – 6 years & 1 months, pretty much paper weight, paying down as I used for a balance transfer

* Apple Card, 10k limit, age – 2 years & 10 months, also paper weight as I have the CapOne Venture card and they reduced the APY on their HYSA so I closed it, I suppose it has merit with the 2% on apple pay

* Prime Amazon Card, 6k limit, age – 5 years & 1 months, close to 2k in rewards

* CapOne Venture Card, 15k limit, age – 8 months, really opened to churn intro bonus, but it’s a good everyday driver

* Charles Schwab Platinum – no preset limit, age – 2 years, again also really opened to churn welcome bonus, but can’t really justify the AF anymore

* Chase Sapphire Preferred – 22k limit, age – 2 years 10 months, also another card i opened to churn welcome bonus, but like the others it’s been used and i’m at like 40k points now

* BILT blue- don’t remember my limit but it’s probably going to be cancelled since I can’t pay rent on credit anymore without the fee like before

* FICO scores with source: TransUnion – 710, Equifax – 715 (My scores dropped from 787/790 after some family hardships/balance transfers)

* Oldest credit card account age: 9 years 7months

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 2

* Cards approved in the past 24 months: 3

* Annual income $: 123,000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 300

* Groceries $: 600

* Gas $: 500

* Travel $: infrequently as I travel every blue moon.

* Using abroad?: No

* Other categories or stores: phone/internet – 70$, Car insurance – 350$, Entertainment (netflix/hulu/hbo) – 100$

* Other spend: gym membership –

* Pay rent by card? Yes, amount and fee: 2.5% fee, not really worth it after bilt switched over

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Costco or Sam's Club member: Costco

* Disney bundle subscriber: Yes

* Big bank customer: Chase/Wells Fargo

PURPOSE

* Purpose of next card: Cashback

* Cards being considered: fidelity credit card for direct cashback into my Roth

ADDITIONAL INFO

So, i know my cards are all over the place and I haven’t truly committed to an ecosystem. I was probably going to jump into the chase eco system, downgrade my amex to gold and what i mean by that is just apply for the gold for the welcome bonus if possible? or if it’s a better idea to just downgrade the AF for the plat is no longer justifiable, idc about the oura ring, i dont shop lulu, i use uber but if i could use the entire credit at once it’d make more sense, dont care for walmart + or uber one. only things viable are the entertainment credit and maybe hotel credit? doesnt add up to 895$. I just need a good daily driver and a system of 6 cards preferably to carry the most cashback. I’ve come to realize points for travel and lodging are too complicated for me to keep up with and typically for the highest return i’m forced to pick dates that do not work for me. Hence I believe cashback is just King. Sorry I’m all over the place obviously I don’t have a semblance of what I’m doing and typically just churn welcome bonuses and end up cancelling the non viable cards that i’ve recently opened.