A big difference for me, because of large business spend cash back on business cards are taxable as points are not. As they say free, free....Free.
Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
@Aim_High wrote:So I'd have five cards with the lender-diversity of five different lenders, cash back (or equivalent) of 3% - 4% - 5% on anything I purchase, no AF, network diversity with all four payment networks.
@Aim_High I think you would be down to only 3 payment networks due to eliminating Amex.
@Aim_High wrote:
@K-in-Boston wrote:1.) Amex Gold. Have to put this one at #1 because dining and grocery at 4x adds up fast.
2.) Amex Business Platinum - 35% rebate on Delta and J/F flights on any airline more than covers the annual fee on its own without the other credits, and I've booked a number of business class flights in Europe that used fewer points than I would have otherwise paid for Y.
3.) Amex Blue Business Plus. 2x on all purchases beats most 3-5% cards for me.
4.) Amex Business Delta Reserve - helps with status and keeps me comfy.
5.) BoA Učitaje Cash Rewards - nearly $100k limit with never-ending balance transfer offers.
Honorable mentions would be US Bank Altitude Reserve for the 4.5% effective rewards on mobile purchases, Amex Bonvoy Brilliant and Business combo for the head start on status each year, and BECU Visa and NFCU Flagship for large limits and low/no APR BTs with no fees.
That's an interesting list, @K-in-Boston. Just wondered about your thoughts about a few observations, purely for discussion.
- No concerns about 4/5 cards with the same lender and diversity with only two?
- No concerns about only two personal cards that would report to the CRBs and potential affect on FICO?
- No concerns that one of your two cards reporting to personal credit report would be a charge card, so you'd only have one credit limit reporting (although a high one) ?
I answered the thread title at face value (even if @Saleen099 didn't answer his own "why?"), so this would likely differ and require more thought if I was answering "You can only keep 5 of your cards," in which case I'd be combining limits like crazy and playing Sophie's Choice with my Amex cards! Personal Amex Platinum would almost certainly replace one of the business cards due to age alone. But honestly, I've been with Amex long enough and they see 95+% of my spend when I am not chasing SUBs - I would actually be comfortable having 4 Amex cards and either Chase CSR or USB AR if I was actually forced to pick 5.
@smitty1 wrote:I carry these 7 cards- mostly because these are the ones I prefer to use. Good limits, only one with a annual fee- I have had it since 1980- so I keep it and use it.
1. NFCU- Go Rewards Visa
2. NFCU- Flagship Rewards
3. American Express Green
4. ACU Rewards Visa
5. Penfed Gold
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6. NFCU Cash Rewards
7. Amex Everyday Clear
...... "and why?" 
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@Jeffster1 wrote:1. BofA CCR
2. Amex BCE
3. NFCU Amex
4. NFCU Cash Rewards Visa
5. BMO Cashback MC
...... "and why?" 
