I'm shifting to Citi and Cap1. Earning is straightforward. Still a lot of good ways to earn a lot of points. They still get good transfer partners.

It gets harder to keep track of the small $$. I ordered some diner plates with the Saks $50 credit. Two separate orders on two cards. One order was out of stock and Saks put the order on hold. So the charge was posted late. No credit from AmEx since the posting date was past the cut-off date. So the order was on my own.

I do use spreadsheets to keep track of all the AmEx monthly credit. $5 here, $10 there. I get about 20 of such credits. Restaurants are not happy with split credit card payments since each time they pay a CC fee. AmEx charges a higher swipe fee. So sometimes I let some of the $5 or $10 expire. Not worth the efforts to use them.

I often ask myself, why am I doing all this? What are the purposes of AmEx doing all this? Cardholder appreciation? Guess not....

Anyhow. I had fun. AmEx outgrows me. I just can't catch it up....