So I have a Chase Sapphire Preferred and an Amex Gold. I'm unsure which card I should use as my everyday card? I always pay in full, so that's not an issue. I really like the consumer protection that AMEX offers, but I don't seem to be getting many MR points from them because I do not travel to often. Basically getting 1 point per dollar. Also, I do tend to dine out and go to bars a decent amount, so maybe the Chase Sapphire Preferred would be better?
Before the annual fee comes up for both cards, I am either planning on downgrading the CSP to a Chase Sapphire, or getting rid of the Amex gold and keeping the CSP. What are your thoughts? The Amex also has NPSL, which is nice, I have a 5k limit on CSP, but don't get anywhere near that. Maybe neither of these cards are right for me?
Profile: 23 yrs old, $45k salary, living at home so no expenses but hope to change that in a year as I get pay increases, paying for an auto loan currently.
Thanks for your help!
Wallet: Amex Gold NPSL | Amex BCP $6k | Credit Union Card $1k | Chase Sapphire Preferred $5k | Southwest RR Plus $5k | Nordstrom Store Card $4k | Cap1 Venture $35k AU | Amex Plat Business NPSL