Bilt Paladium with High Mortgage

Monthly Expenses:

Mortgage: $6154

Dining: $400-$500

Groceries: $300-$400

Utilities: $150

Misc: ~$300

Cards:

Amex Platinum

Amex Gold

Delta Platinum

Hilton Aspire

Business Blue Plus

Ink Business Preferred

Ink Business Cash

Chase Unlimited

Chase Flex

Chase Freedom

Chase Ritz Carlton

Chase Hyatt

Wells Fargo Autograph

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The above listed are my monthly spend. I’m debating if i should get the paladium card and downgrade my Amex gold. Most restaurants I go to don’t accept Amex. The dilemma I’m having is losing 2X points from groceries and 1x from dining for a higher annual fee card. I also lose 3x from my phone and internet if I move those charges to the paladium. Bonus is I can get points from housing but my non-housing expenses arent that much. That does change during ski season but that’s only a third of the year. Also if there are 5x categories like Restaurant/Groceries i would lose out on those as I’ll be putting it on the paladium.

TLDR: considering paladium and cancelling Amex gold. But not sure if my monthly spend would justify a higher annual fee card to unlock points from high mortgage.