af21 wrote:I know the Sapphire has slightly lower rewards (2X)
You need to consider more than just the earn rate for programs like Ultimate Rewards, Membership Rewards, etc. The redemption method(s) you use can have a significant impact on reward value. Never conflate X and %.
af21 wrote:but that it's an overall strong card.
It is not just about the card itself. It is about your requirements and how well a given card suits you.
af21 wrote:I'm not a huge spender
While "huge" is subjective, generally speaking, programs like UR, MR, etc require a large amount of spend for one to benefit. If you aren't going to run a lot of spend through the card then consider cash back cards.
af21 wrote:and I don't travel with any significant frequency.
Then why are you looking at cards with rewards on travel?
Rewards are going to be a small percentage of your spend. Start with your spend. Find where the majority of your spend is going. Find cards that maximize rewards on that spend.
af21 wrote:I suppose it depends how you'd define "big spender." I'd say my monthly credit card bills are currently around $1,500-2,500/month on average, though I'm about to be a grad student, so I imagine that might drop a bit.
You really just have to run the numbers for your spend to help you sort this stuff out. What categories is that spend in? What's the biggest category (including noncategory)?