Originally Posted by kdm31091

Citi (or Chase or Discover) doesn't necessarily want you holding a handful of the 5x cards and maximizing your benefits. That's the whole purpose of this rule from Citi. You get one 5% card with one category. As I said upthread I think 2 categories would be a little more reasonable for the product in general, but I completely understand not allowing more than one card per customer. The low spending caps exist for a reason and lenders don't want you circumventing them, or they wouldn't put them in place.