Amex Amazon Business Prime: 5% Amazon (Amazon is my biggest spending category)
Amex "old" Blue Cash: 5% grocery, gas, drugstore
Amex Platinum: 5 MR points on airfare, plus many statement credit offers
Chase Ink Cash: 5% internet and cell phone
Chase Freedom: rotating 5%
Citi Dividend: rotating 5%
Discover More: rotating 5%
Capital One Savor: 4% dining and entertainment (may not be worth the annual fee during the pandemic)
Capital One Venture: 2 points on miscellaneous spend until I receive the 100k SUB
Citi Double Cash: 2% on miscellaneous spend after I receive the Capital One Venture SUB
The rest of my cards aren't really used for rewards. They have value in perks and/or utilization padding.
I'm just getting into this game, so my strategy is basic. Not willing to jump into AF cards yet:
Discover it CB - 5% categories, 1% miscellaneous while in my first year match period
Chase Freedom Flex - 5% categories, 5% groceries in first year, 3% dining (temp bonus?)
Navy MoreRewards - 3% gas
I also like to max the 5% rotators by buying gift cards for that category, to use on off quarters. I quit using the Navy card for most things because I hate that I can only redeem rewards in $50 increments. I'm hanging onto the Chase points for if I get the CSP later this year and can use the multiplier and PYB.
My OCD is really gonna shine thru on this one 
I actually completely flipped my lineup to cashback only as I got annoyed tracking the "value of each point based on where I used it". I've also been on a mission to eliminate all AF cards unless I can gain value from it. With the lineup below the AF's are a total of $149, but I cash out about $3,000-$3,300 a year in cashback from them. Based on how much I spend in each category, I'm averaging about 4.4% average cash back on everything I put on cards at the end of the year.
My Dining, Gas Stations and Non-Category have alternating cards that I flip EOM (every other month). The difference in rewards is negligible and it keeps them alive with organic spend so I can maintain the high limits on them.
DINING:
- 4% USB Go and 3% Marvel MC; alternate EOM
GROCERIES:
- 6% Amex BCP
GAS STATIONS:
- 5% USAA Amex and 4% PNC Cash VS; alternate EOM
- 10% Shell MC (used exclusively for Shell in store spend on snacks, beer, anything but lotto gets the 10% back)
NON-CATEGORY SPEND
- 2.5% USAA Limitless and 2% Citi DC; alternate EOM
MONTHLY BILLS:
- 6% BCP (Netflix, Apple subs)
- 5% PCM MC (auto & renters insurance, TV/internet/phone, MyFICO, food delivery subs, and the car note paid thru plastiq)
- 5% Cash+ VS (electric, cell phone, and every 6 months the bill for audi nav/wifi)
- 3.3% BofA Cash VS (Rent - I have two of these cards and I max out the $2.5k per card/per qtr -- it falls under online categories)
RETAIL & TRAVEL:
- 5% Amazon, Chase Amazon VS - big spend area!
- 5% BestBuy, bestbuy V - big spend area!
- 3% Macys Amex
- 3% Synovus Cash V, all other retail spots
- 5% Any Hotel & Any Airline, GreenState WMC
I have the Freedom Flex, Discover IT and Dividend for rotating categories and use them if they beat out any card in the current setup.
- Flex/Discover mainly get used for PayPal quarters
- Discover, I'll buy $750 in grocery gift cards during the grocery quarter in case I'm going to go overthe $6k BCP cap
- Dividend will get used when its 5% home improvement since Citi lets you spend the annual $6k budget in one quarter for the $300 cash back, instead of capping each quarter at $1.5k/$75 cash back like Disco/Flex
My spend is very predictable so I've been chasing cards that max each area out. Each November I cash all my rewards out and even though I alternate some cards, they still always seem to manage to hit the minimum redemption amounts so nothing gets left behind. Every other card in my sig not mentioned above is SD and I'll put $3 amazon reloads on them every 60-90 days just to keep them alive. My setup is a bit much for some, but for me..it works 
@iced wrote:Airfare: American Express Platinum
Travel/Dining: Chase Sapphire Reserve
Purchases under $5: Citi Rewards+
Everything Else: Chase Freedom Unlimited
Random offers here and there will go on targeted cards (aka groceries on CSR when it's 3x).
That's it. Focus is on UR accumulation to add to my UA pool and MR accumulation to add to my DL pool. I'm beyond uninterested in cash back, and with my spending and travel patterns this is the best return option for me.
The Citi points are such a small accumulation I'll just throw them away on a token gift card or something every now and then.
Just a thought, but every little bit helps - have you considered just moving the TYPs to Virgin Atlantic or FlyingBlue that you can combine with transferred MRs for a Delta/SkyTeam award? While I have been spending mine through the portal for the 1.25 cents plus 10% rebate so I can still earn miles and elite-qualifying miles that's my plan for emptying my account before I PC or close my Citi cards in the next couple of months since Premier isn't a good option for me post-April.
@iced I didn't realize you didn't also have one of the AF TYP cards. In that case definitely moot, as I think JetBlue may be the only transfer option.
The plan in my head was....
- Citi DC - 2% on recurring charges (this was our primary card for years, everything went on it).
- Chase FF - 5% rotating categories + 3% dinning
- Chase FU - my daughter is an AU - 1.5% on everything + 3% on eating out
- Chase CSP - used for 80K SUB and to pool UR points from Freedom cards. The CSP has become the new miscellaneous use card.
- Verizon Visa - 4% on gas and grocery. Pays Verizon bill for 2% and gets some 3% dining spending on it. Daughter is an AU too for gas spending.
- Discover - 5% rotating
In reality.... my DW and DD have no interest in keeping up with categories and which card to use when and where. My wife uses the CSP as her primary (probably because it's "pretty") and she knows it has "plenty of limit". My daughter just uses the Chase FU becuase she "didn't think about it"
