Robrus1 wrote:I think Takeshi, in a bit of a condescending way, was trying to target more specifically what you spend money on, if you travel much, etc to recommend cards specifically to you and your situation. When he/she said he/she wouldn't have apped for any of your current cards, he/she meant that they wouldn't benefit he/she personally, not implying you made poor choices on your current cards.
Where does most of your spending go? Mine goes to gas/groceries, and I use my BCP for that. I travel some and use my CSP and Platinum for that. I use my SPG for Starpoints and hotel benefits.
Yes, it really helps to know what a lot of your spend will be on as well. If you travel a lot, what airline(s) do you fly the most? Only Southwest and AA?
You might want to consider the Chase Sapphire Preferred with the Freedom combo if you're thinking of still maybe transferring some points to southwest. Or maybe transfer points to United or British Airways (for short haul flights). With the CSP + Freedom, you'll have lots of flexibility.
Or if you really like AA, i'd go for the Citi AA (which u already have) with the Amex SPG combo. Use the Citi AA for 2x on AA purchase with AA perks and the SPG card for 1.25x on all purchases (since transferring 20K points to AA will net you a free extra 5k AA miles).
Now this is just me, and only IMO...but I like to stick to ONE program, that way it doesn't take forever to redeem for something, since points devaluate so fast.
So stick with combos that go to the same program as per my examples.
Of course if you're spending $100,000s a year, then maybe you have the luxury of spreading your points across multiple programs, otherwise, stick with one similar program.
So I would sock drawer your Discover and BofA cards (since you asked what I would do), since their points don't go to any program.
However, like other posters have said, if you're main goal is cashback, then that's a whole different story. So it really depends on what u want more.