Hi all,

I'm currently wondering whether I should ditch my CapOne VR credit card, and pick up the Hilton Reserve instead.

My use of the Hilton cc would boil down to the forex transaction fee waiver, the "Points + Money" option, and the ongoing gold status. I would expect spending less than 5 nights a year in a Hilton (to use the upgrade).

The CapOne VR credit card is good for me because there's a straightforward rewards system, it also has the forex waiver, and I already have the SPG Gold (via SPG Amex) and Marriott Silver (via Rewards Premier cc).

Is anybody else considering this kind of switch? What would people do in my kind of situation?

Thanks in advance.