Your opinion on my credit card lineup!

[Anonymous]

I would love your opinions on my current credit card lineup. 

1) Chase Sapphire Preferred (18k) - This is my main spending card. I eat out at least once a week, so I put those purchases on here. Most of my recurring payments are on here too. i.e. Insurance, netflix subsciptions, etc. Everyday purchases.

2) Amex Blue Cash Preferred (8k) - This is my gas/groceries card. I spend about $150 a week on groceries.

3) Amex Platinum - I put large purchases on here. Purchase protection. Airport lounge access, airline gift cards ($200 reimbursement)

4) Amex SPG Card (12k)

5) Amex PRG Card

6) Chase Freedom (6k) - Revolving Points 

I was thinking of dropping the Amex PRG card since I am under the impression that the blue cash is better for groceries and the CSP is better for dining out. I also don't seem to use my SPG card too often. I am going away next week and staying at a SPG hotel, so I am going to use that for the 5x points (I am a gold member). 

What is your opinion on this lineup? Anything better you would recommend? Am I using the cards appropriately? Any feedback would be great!

[Anonymous]

Looks good. Not sure why you have a PRG and a PLAT at the same time but...ok...

Give me your opinion on my lineup: I only have one...

First Premier Bank Secured: $125.00 SL. 

29.99% APR

$45 monthly fee

$755 annual fee.

EDIT: Thinking of asking for a CLI....

[Anonymous]

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@Anonymous wrote:

I would love your opinions on my current credit card lineup. 

1) Chase Sapphire Preferred (18k) - This is my main spending card. I eat out at least once a week, so I put those purchases on here. Most of my recurring payments are on here too. i.e. Insurance, netflix subsciptions, etc. Everyday purchases.

2) Amex Blue Cash Preferred (8k) - This is my gas/groceries card. I spend about $150 a week on groceries.

3) Amex Platinum - I put large purchases on here. Purchase protection. Airport lounge access, airline gift cards ($200 reimbursement)

4) Amex SPG Card (12k)

5) Amex PRG Card

6) Chase Freedom (6k) - Revolving Points 

I was thinking of dropping the Amex PRG card since I am under the impression that the blue cash is better for groceries and the CSP is better for dining out. I also don't seem to use my SPG card too often. I am going away next week and staying at a SPG hotel, so I am going to use that for the 5x points (I am a gold member). 

What is your opinion on this lineup? Anything better you would recommend? Am I using the cards appropriately? Any feedback would be great!

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As long as you are spending several several  grand a month on credit cards I could rationalize all of those (like 5k at least). And unless you are transferring points from UR, SPG, and MR, you would probably be better with different cash back cards.  I see 5 out of 6 have annual fees, thats all.  

[Anonymous]

You've got great cards.  I'd say drop the PRG.  The PRG has better earning potential than the Plat, but the Plat has better perks if you're using them.