When people ask what the best combo is and I have limited information, generally the CSP and SPG card are my go to. Use CSP for bonus categories, and SPG for all non bonus categories. But for a low spender, I agree that two annual fees may not be worthit.

I agree with most the suggestions above, particularly having a card with no foreign transaction fees, since this is a bigger expense than most non-frequent travellers think. You can easily save the amount the annual fee cost by avoiding those int'l fees with a premium card that waives them, even if you go abroad once a year.

But if you choose to go with cards such as Freedom or Double Cash, which are both solid choices for no annual fee cards, I would still highly recommend signing up for the premium card - given your credit is decent - and then downgrading to those after a year. This way, you can get the big signup bonuses and not pay a fee. For example, if you think the Freedom might be the way to go, sign up for the CSP instead, get the (now) 50k bonus, take advantage of the bonus categories for a year, then call/SM and ask to downgrade to a Freedom. You won't be charged the annual fee and you'll have a truckload of points. I've heard mixed success going from the ThankYou Premier to the Double Cash, though I believe it's still possible...

If utilities are a big expense, consider the Chase Ink Plus as opposed to the CSP (or both, if you want). This one has 5x in Utilities and can be downgraded to the Ink Cash if you don't want to pay the fee.