I would keep both. Super easy to use credits for amex, so really only 30 bucks a year. And I always get the best amex offers on that card. Easy to come out ahead just on offers. So then use Citi mostly. I might start doing some light MS, so will top out 25k on amex and still have Citi to get bonus on groceries. Plus where I live plenty of places don't take amex so Citi is good to have visa.