I need to simplify my life, need some guidance.

[Anonymous]

@HeavenOhio Thank you for correcting me. I didn’t know that.

[xaximus]

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@HeavenOhio wrote:

@Anonymousand @xaximus, Capital One hasn't offered Savor or SavorOne PCs since the cards were revamped last August. In the meantime, an offer to PC the Venture to a Quicksilver is probably available. Down the road, I'd bet that Savor and SavorOne PCs will likely be offered. The Quicksilver can be PC'ed again at that point.

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Completely forgot about this once again! I reached out to Cap1 and they said it may be open in 6 months or so, but nothing anytime soon. 

[Anonymous]

okay i forgot to say this but the Gold card will be two years old in april, the venture will be a year in august. 

another thing that i forgot to mention is that the Magnet, Everyday cash and BOA Cash rewards are being used for school expenses, since they have over a year of 0apr i would like tpo have kept in under one card but the limit was not big enough specially the BOA so thats why im spreading the semester between those 3 cards until i get reimbursed for the semester at the end of may. 

so yes the magnet and the Everday cash are less than a year old. also the venture and BOA. the rest are two or more years old.  

[Anonymous]

You have a lot of good answers that might be generally correct... But you really haven't said anything about your spending habits except for eating out.

I'd rather have 4x MR points on gold than 4% on Uber. The gold with a "high" AF is only 30 dollars after 100 airline credit, 120 dining credit.

Amazon, chase is good, I prefer my Amazon business card through Amex.

You haven't really said anything else about your spending so I'm limited to what I can make for recommendations.

Also, keep in mind any of these cards you close without product changing or combining will affect your utilization drastically as it sounds like you have at least a couple 0% cards that are maxed out already.