irvine801 wrote:Because its nice to have a low Apr in case I can't pay in full... Which currently I am carrying a balance. Hence no usage. I can't pay all my cards in full. That's why I like having a low Apr.
Ouch, maybe you should look into a Chase Slate with $0 transfer fee in first 60 days and 0% for 15 months. Then work really hard to transfer all balances to it and pay it down within those 15 months. No sense in worrying about the 1% cash back when you are carrying a balance because the interest will wipe out all savings. I know you said you want to get away from Chase though, but no transfer fee is probably worth it depending on the balances that you are carrying.