Originally Posted by
pallhedge
A better analogy akin to your question would be: I need to hammer this nail into this block of wood. I have a hammer and 2 iPhones. Which iPhone should I use?
I'm perfectly comfortable suggesting that you to use the hammer despite your insistence that it doesn't actually answer your question. Your requirement (avoiding the hammer or having one card) is not reasonable.
I don't buy your reasoning. You assume what cards are best from your perspective, not mine! That's your biggest flaw - you ASSUME what's best to your thinking is best for everyone in this country (sort of like Trump's views) For instance, I don't ever use 5% category on Chase, so its relative value in terms of "rewards" is meaningless, for me. You may like keeping tens of credit cards. I don't and never have. And, using my approach, my FICO score is above 800 (and has been so for several years).