Ok - this is what I think. It looks like you are the type of person who will go all out to max out your cash rebates - so here is what I think.
Keep all your cards and get an extra Chase Freedom or even Citi Dividend.
Blue Cash - you know the drill on this - need to get past the $6,500 quickly.
BP - will keep this. You will be spending over $2700 a year on restaurants - about $54 in cash rebates.
Discover Gas - keep (for your gas)
Shell - Keep it for your gas.
Get either a Citi Dividend or Chase Freedom - Use the Chase Freedom for EDP (excluding gas) before your Amex Blue Cash reaches the $6500 number. You earn 3%. Once your blue cash starts earning full rebate, switch everything to blue cash except for dining and travel (BP).
You migh want to consider the citi dividend even though it pays only 2% on EDP rather than chase freedom card because you can earn 2% on utilities as well - cable, internet, water, gas. This may add up to quite a bit!
But to sum up what I think, keep all your other cards and get either a chase freedom or citi dividend.
|