To come up with targeted advice, one needs to know more about your spend pattern (how much, in what categories, domestic or foreign), your travel patterns and preferences (which airline, how many flights? Hotel preferences) and your goals (cashback or free travel or luxury travel (J cabin, fancy hotel upgrades).

If simplicity is the primary concern, I don’t know that I would keep the BofA card just because it is the oldest card. The Marriott card is of similar age. And I probably wouldn’t keep the PenFed card either - just $5000 credit line doesn’t seem work it. I might be inclined to close the CSR and replace it with a CSP (new bonus, lower fee).