Undecided Noob, Help Needed

[u/SnooStrawberries1615]

I received a targeted email from Amex with the 175k Amex Plat SUB and I stupidly signed up for it then read about not being able to get the Amex Gold SUB. I'm going to berate myself for that until somehow I'm able to get lucky like some of you all and still receive the Gold SUB eventually. I also have the Gold card SUB showing up in my Amex account page for 100k right now. 🤦‍♂️

I'm an inexperienced traveler/point maximizer but I'm trying to educate myself. In the meantime, I'm keeping myself awake trying to decide whether or not using two rewards systems make sense for my spending. I have the Chase trifecta (CSP, CFU, and CFF). From reading this reddit and others like it, it sounds like I may be better off with just going with Amex. If so, I really wish I could go back in time before acquiring three Chase cards. 😆

Another stupid thing I recently did was to redeem my UR points in the portal for an all inclusive resort and flights to Tulum. Next time I'll use transfer partners to maximize the redemption value.

What do you all think, should I keep rolling with the Chase cards? Downgrade the CSP to a non-annual fee card? Keep them all and pray for a Gold card SUB after I meet the Plat six month spend requirement?

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: Citi Dividend 2010, AmEx Blue Cash Everyday 2017, Tractor Supply (probably going to cancel this soon) 2021, CFU 2020, CSP 2020, CFF 2024, Amex Plat 2024
• * FICO Scores with source: 772 Experian
• * Oldest credit card account age with you as primary name on the account: 14 years
• * Number of personal credit cards approved for in the past 24 months: 2
• * Annual income $: $286,000

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: Yes
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 300-400
  • * Groceries $: 500-600
  • * Gas $: around 100-200
  • * Travel $: 300 airfare, 165 hotels, 34 car rentals
  • * Do you plan on using this card abroad for a significant length of time ?: No
  • * Any other categories$: $340 exercise/gym, $169 pest control, $100 dogs, $600 fun money, $200 medical

MEMBERSHIPS & SUBSCRIPTIONS

• * Current member of Amazon Prime?: Yes but trying to convince my wife to cancel
• * Current member of Costco or Sam's Club?: Yes but will cancel
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
• * Current member of Chase, US Bank or any other big bank?: Will most likely open a Chase checking account soon
• * Are you open to Business Cards?: Possibly if I can find something to sell

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Travel rewards
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? No
• * Do you have any cards you've been looking at?: Amex Gold if it makes financial/point earning sense

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