I like hypotheticals like this, because it's an interesting frame for why you like particular products or why you find them valuable. Of my cards, these are what I'd keep and why:
3. Sam's Club MC: Since gas and dining are among my biggest monthly categories, having 5% and 3% cash back, respectively is good. While Sync isn't great at making a good looking website (and no app) and the card looks aren't eye-catching, it counts where it's important. Also, MC has good acceptance everywhere, whereas Discover and AMEX can be problematic.
2. Discover It: It's a de facto 2% card for the first year, and the rotating categories are a great perk. I've found the customer service to be excellent. I'm also quite pleased with my initial CL. I love their site and app; very well organized and informational.
1. AMEX BCE: It is my highest CL and lowest non-promo APR of the three CCs listed here. Their website and app are well organized (although I prefer Discover's) and customer service meets my needs. The AMEX Offers have resulted in lots of saving opportunities. Also, my 1998 backdate makes it my oldest CC.
Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $53000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Personal:
