This is where I’m heading as well (was SPG up to now): use EDP for daily spend, CFU for where they don’t take Amex. Also use the CFU sometimes for non grocery and gas, to take advantage of the 3% back I have for another 9mo or so. Once I revert back to 1.5% back, I’ll apply for CSR and transfer over all the points I’ve earned from using the CFU. I figure by next spring we should have a better idea of how all of this shakes out, and I’ll revise then if necessary.