Originally Posted by
STS-134
I wish they'd do away with the need to carry so many stupid cards. If they're going to continue the Freedom, then the CSR should have rotating categories of 5x UR points/$. And so long as the CFU exists, they should make all non bonus category spend on the CSR worth 1.5 UR points/$. And actually, the CF/CFU should be merged into a single card with 1.5 UR points/$ on non bonus categories and 5 UR points/$ on bonus categories. People who don't want to pay a AF could get the CF/CFU card, which would NOT have 3x UR points/$ on travel and dining. And those who want a premium card could get the CSR, and use it for everything.
Chase is trying to be profitable. Most people aren't carrying 4 Chase cards. If every card gave 1.5x on everything, 2x on gas, 3x on dining and travel, 5x on office supplies, and rotating categories, they'd make no money.
According to their algorithm, each version of rewards they have for a card turns out to be profitable. Combining them isn't.