Darrvao777 wrote:Two minor issues
1) I don't like their online interface and the fact they have no mobile app. Not a huge problem when it was my primary card but since I've added 3 cards in the last month, it's going to get harder to keep track. The rest of my cards fit neatly into either the Amex app or the Chase app. Furthermore, they have alerts to let me know when payment is due and more importantly, when a card is charged without a swipe (e.g. online transactions)
2) I've been planning a lot more travel recently and while the 2% cashback from the Fidelity is nice, I do like the idea of diversifying my spend into MR, UR, and Starpoints to redeem for travel (particularly upgrades into 1st class)
I'm not rushing into canceling either since it is a 0 AF card but I figure one less thing to worry about isn't so bad (I actually only opened it earlier this year so it shouldn't wreak havoc with my aaoa either)
I can definitely see the simplicity of having all your cards split between two issuers. I just recently did my first simultaneous pay of PRG and BCE and loved how easy it was.
I've heard the FIA website can be difficult to use and that they give random declines for activity they consider to be unusual. My concern would be that when I have a 5% card for several major categories, what I'd actually put on the Fidelity Amex would be pretty random and prone to false fraud alerts.
If you can get 1.5-2 cents of value from an MR point, then the EDP would make the Fidelity Amex obsolete. (Edited)
If you cancel all the cards you're considering (Fidelity, Explorer, Marriott), and get all the ones you want (CSP, PRG or EDP) then you'd have only one card (CSP), I think, that isn't issued by Amex. That's really taking a lot of risk if they FR you!