Originally Posted by dukerau

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.