Credit card Strategy

[notmyrealname23]

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@Anonymous wrote:

Thanks for the recommendation. I am thinking of closing the Amex Gold and using BOA cash rewards for groceries. I will have all the categories covered except for occasional travel and hotel stays.

if you know of a card with no AF with travel and hotel benefits, please let me know. 

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Wells Fargo AMEX Propel comes to mind; no AF, it's effectively a 3% cashback travel card, also includes dining.

https://www.nerdwallet.com/reviews/credit-cards/wells-fargo-propel

Hilton, Marriott, Wyndham, United, American all have various flavors of no AF cards but IMO you should stick with cash back if that is really how you want to roll.

Also, there are gift cards you can cash out AMEX MRs for at about a penny a point. Note that some are less than a penny a point (and AMEX gift cards are at half a penny a point).