Originally Posted by Adelphos

After some product changes and downgrades, I now have this $95 fee Chase Quadfecta

Chase Sapphire Preferred
Chase Freedom Flex
Chase Freedom Unlimited
Chase Freedom

I will use these cards for Lyft (5x UR with any of the four cards), occasional dining (3x dining with Freedom Flex or Freedom Unlimited; most of my dining goes to Amex Gold), 5% back categories (Freedom/Freedom Flex), general travel like transit and rail (Sapphire Preferred), and some occasional general spending (1.5x with Freedom Unlimited).

Next fall, I will either be 3/24 or 4/24 (provided I don’t get any other cards), so at that point I can go for some combination of a Sapphire bonus and something like a United or Hyatt bonus. After I get those bonuses, I will probably apply for a lot of non-Chase cards (Citi Prestige, another AA card, Hilton Amex, Amex Green/Plat, etc).