Originally Posted by
aeg42
My Cards:
1. Chase Sapphire Preferred (primary general spend, dining) - October 2014
2. Chase Ink Plus (gas, cell bill, cable, Amazon GCs from Staples) - June 2015
3. Chase IHG (new card, planning to keep for the annual free night benefit)
4. Chase Freedom (category bonuses, no annual fee of course)
5. Citi ThankYou Premier (not currently using, but CitiGold so no annual fee)
6. American Express Platinum (Costco, general spend, airline reimbursement, rental/medical coverage, AmexSync deals, MR redemptions/transfers, SPG Gold status, National/Avis/Hertz priority status, lounge access)
7. Amex SPG Personal (picked up for signup bonus and some spend for next summer's trip) June 2015
8. Amex SPG Business (same as personal card) Sept 2015
Wife's Cards:
1. Chase Sapphire Preferred (not currently used, plan to downgrade) Dec 2014
2. Chase Ink Plus (not currently used, plan to downgrade) April 2015
3. Chase United Explorer (free checked bag, priority boarding, lounge access benefits) Dec 2014
4. Chase IHG (new card, planning to keep for annual free night benefit)
5. Chase Freedom (category bonuses, no annual fee)
6. Amex SPG Personal (same as my SPG cards) Sept 2015
7. Amex SPG Business (same as my SPG cards) June 2015
Definitely keep all your no fee cards. If it were me, I would cancel both CSPs, keep one Ink, cancel the other. Cancel Amex plat, doubt you're getting $450 worth of perks. Cancel both SPG business cards and one SPG personal. Chase united is up to you, depends on how much you value the benefits you mentioned.
This would get you down to $100/Ink, $70/SPG, $50/IHG, $95/United. Everyday spend on SPG, freedom, or Ink.
I'm not a big churner of cards but I believe you can still churn the SPG business every year. Chase cards are 24 months, someone correct me if I'm wrong.
As mentioned above, be sure to transfer points before closing accounts!