I have the Schwab Plat (reduced fee) for airfare+lounge access, Gold for food, BBP for everyday, CSR for travel, and the Prestige (reduced fee) for fourth nights at hotels. Once I figure out what to do with my pile of UR, I'll probably ditch the CSR given the improved Gold benefits -- only thing I'm missing out on is an expanded travel category, but Prestige still gives 3x. Funny how quickly I went from considering getting rid of the Gold this year to looking to ditch the CSR. I've had pretty good luck with retention offers from AMEX and Citi, so I've had most of these cards for years with minimal out-of-pocket.