You can do this yourself. You should know where your money is going. If you're only considering cash back then that's mostly what you need.
If you're considering rewards programs like Membership Rewards, Ultimate Rewards, Thank You, etc then there's a bit more analysis that needs to be done and that involves looking at which redemption options you can use with each program and how that impacts reward value.
There may be services that offer this but you're going to have the most vested interest in assuring that you're getting the most from your cards. It's really not that difficult. It can just be tedious for rewards programs like the ones I've mentioned above. However, a service isn't going to be able to help you without interviewing you. It's not just a matter of your spend and your current cards but how well you can leverage redemptions with each program.
Any decision making process can seem overwhelming if you start off considering every possible option. Sort out your needs/wants and then use that to narrow down the options. Why did you select the cards that you have? What do you find lacking with your current lineup? Do you have enough spend to redeem rewards in a reasonable timeframe with both Membership Rewards and Ultimate Rewards? Generally it takes a large amount of spend to benefit from just one of those programs.
mattbw1 wrote:I primarily use the Chase Sapphire but keep the Amex for just-in-case purposes
Just in case what? Why do you have a charge card as a backup? Would a revolver not make more sense? Or is it just in case something else entirely?
mattbw1 wrote:United Airlines is my primary airline.
If you'd primarily redeem through United for travel then Ultimate Rewards is probably a good program to focus on since it transfer point 1:1 to United. You already have the CSP and the Ink. Would the Freedom and its rotating categories be of any benefit to you? There's apparently a Freedom Unlimited on its way that would be 1.5x on all spend which could be useful if you have a lot of non-category spend that would otherwise earn 1x on the CSP or Ink. That said, 0.5x probably isn't all that much of a different but that really all depends on what sort of value you can get per UR point.
mattbw1 wrote:In looking at all of these annual fees, I'm looking for guidance on what, if any, changes I should make to my wallet portfolio. Happy to pay a fee for an analysis service if such a thing exists.
You'd have to determine worth of the cards even with the service. Is $95 worth whatever just in cases purpose your AmEx serves? Is $395 worth the United Lounge access?
Do you earn enough UR points and can you redeem them for enough value per UR Point that you're exceeding the AF's on the CSP and the Ink? It shoudln't be difficult to do but if you're not doing so then they might not be the right cards for you.