Personal: Don't really have one...whatever needs minimum spend unless I can get 5%+ with another card.
Business: Amex Business Platinum for 90%+ of transactions.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
