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I have both the Southwest Visa and CSP. My 1 year anniversary on the Southwest card is approaching and I need to decide if I'm going to keep it or PC to something else before I incur the AF. It appears having both the CSP and Southwest visa is redundant and both have $95 AF's. I've decided that the CSP will serve me better overall but as I browse through Chases credit card portfolio, I'm not sure which card to PC to. The JPM Select is a contender (hidden TL) as well as the Hyatt and Marriott cards because they both have the smartchip which is great for overseas traveling which I plan to do later this year but I'm not sure which card to select. I usually stay at Starwood hotels when I travel but their card is issued by AMEX. Can you please help me decide?? Thanks in advance!