athensarch wrote:1. Should I keep activate/use the replacement card Citi sent me to keep them in my credit history? Any good no annual fee offerings from them? Is the Citi Doublecard worth getting? I pay my balance in full every week or two.
Either keeping or closing the card, your history won't be shortened. Closing account only reduces total CL, but not reduce AAoA.
I feel like the Diamond Preferred is essentially a balance transfer card. The Citi Easy Deals is not a reward program, and from my research the deals are not quite worth it.
Now you have the card, you can try to product change it. Citi's product change is YMMV, but you should try to ask to change it to Double Cash, at least ThankYou Preferred (though ThankYou points generally worth less than 1 cent/pt). Since you pay utilities, the double cash can be something useful if you use credit card to pay.
athensarch wrote:2. Can anyone recommend a no annual fee Mastercard/Visa?
Chase Freedom Visa; Sallie Mae MC; Citi Double Cash (it's an MC); etc.
Chase Freedom is for rotating categories, which includes Amazon for the coming quarter.
Sallie Mae gives 5% back for $750 in bookstore each month and Amazon is usually counted as bookstore.
Just find the one(s) you need.
athensarch wrote:3. Is there any disadvantage to requesting a credit limit raise on my Amex?
You can do 3X CLI online (requesting a CLI by 4K for your circumstance) without hard pull. No fear for denial.
FYI if requested CLI will lead to single card with AMEX CL >$25000 or all cards with AMEX CL>$35000, you may be requested to supply documents like 4506T or others. For your case you will not expect one.
athensarch wrote:I spend about $440/mo on groceries
Just suggestion, you may change BCE to BCP, and you can earn more in a year, even if there is annual fee.