Originally Posted by
karloldreyes
According to my calculations, I would only need to spend $316 in dining/travel and $250 in groceries per month to make the AF worth it. This is calculated based on the lowest valuation of the points.
Check your math on that. The lowest valuation of the points is...1cpp?
$95 AF for EDP, and you're getting 3% on groceries vs 2% on an all-around card. So you need to spend 95 / .01 = $9500 / 12 = $792 on groceries per month to make it worth it.
$95 AF on CSP will never be worth it at lowest valuation compared to a 2% card.
Have you considered just a 2% card for all your spend? If you spend > $40K year (or a significant portion of your spend is with merchants that don't take Amex), go with Arrival. If < $40K, go with Fidelity Amex. By the same token, even if you go with a multi-card solution, you need to be putting $40K+ on Arrival for it to offset the AF compared to Fido Amex.
If you really want to maximize with multiple cards, consider Amex Blue Cash Preferred for grocery @ 6%. EDP @ 3x doesn't match that at any conservative MR value. If you're not getting the 50% bonus for EDP via 30 swipes/month, I don't think it's worth it. That said, it's a great card for pretty much everything if you are doing 30 swipes/month.