I agree on that, the QuickSilver is very easy to manage and straightforward, I have it but I just use it a bit to keep it active. If simplicity is the focus thats a nice card. But the rewrads are very low to me. Just with Freedom no anual fee I get 30k points a year worth $600 bucks at least for spending only 6k.. last year I got much more than that I got some appliances and got 13% cash back total using Chase shopping that was almost 20k points for 1 purchase! a 1/3 of my airfare to Germany on United or a 1/5 in Busness class. If you spend 6k on QuickSilver you get a miserable 90 bucks! vs 30,000 UR points worth 6 times more or much more easy. Of course you need to be traveling to make sense of this and I think at one point or another everybody travels, If I wasn't a frequent traveler I'd rather stock up valuable points for years and take the whole family on a luxury trip than get little cash back every month. But that is just me!
The only reason I keep my QuickSilver is because it's my oldest account. Capital One customer service SUCKS!! they are the only bank I know that will not do anything for you, no CL moving between accounts, you have to do everything with automated system, you can call reconsideration or talk to a specialist no flexibility. They take a week for a CLI vs you call chace and you talk to a credit analizer on the spot. Slow bad service for capital one! At least from my personal experience.
If simplicity is the focus I'd get the Barclay Arrival Plus. 2.2% cash back on everything with no caps no rotating categories. You have to redeem for travel tho. That's almost 50% more than Quicksilver. You get 40,000 points sing up bonus worth $440 that alone offsets the AF of $89 for 5 years. You have to spend 12k plus a year after that to beat the QuickSilver with no AF. But I would just get the card, get the bonus, use it 2-3 years and close it and re apply for a new bonus.
Amex Gold Premier Rewards, Amex Platinum, Amex EveryDay Preferred 7k, Chase Freedom unlimited 18.2k, Chase Freedom 7k, Chase United Club 12.5k, Barclay Apple Rewards 10k, Barclay Aviator Silver 5.5k, Discover IT 9.5k, Capital One Quicksilver 3.25k, Kohl's 700, Citi AAdvantage Platinum 7k, Citi Prestige 13k, Citi Hilton Honors 15k, Amex Hilton Honoros 1k, Chase IHG 6k, Chase Sapphire Reserve 30k
There is no need for multiple cards or high limits but I like to have my eggs in different baskets, not worry about utilization on regular spend and at the same time try to maximize the rewards. Even with the collection I have now there are still at least 3 cards on my wishlist.. Do I need them? NO... but would I like them? YES... so here I go...gardening and grabbing these later on in my life.