Wanted to bounce an idea off of the folks in this thread - I have a CFF and CSP, both a few years old. I've kept track of rewards over the past few years and have realized that especially once the CSP was thrown into the equation, the CFF gets barely any use (it was my primary dining card previously). While a lot of folks adore the 5x quarters, I've fallen out of love with Chase's narrow, merchant-specific options and the constant overlap with Discover (my oldest card). I recognize that 5x UR > 5% cash back, but over the past few years, grocery seems to be the only one where I'd really have significant spend to make a difference.

I've moved a chunk of the CFF's limit to the CSP already, but I'm toying with the idea of waiting to see what Q4 is going to bring and if it's also meh, I'd try to move the remaining limit over and close the CFF, to simplify my lineup to 5 cards. If I eventually decide that the UR ecosystem isn't working for me (such as if Hyatt gets nerfed or something else), I could always downgrade the CSP to a CFU (or CFF) and use it primarily as a no-AF dining card. Right now, I like a lot of the benefits of the CSP and am sitting on a decent amount of transferrable URs, so I'd most likely keep things as-is there.

I know there's a lot of love for the Chase trifecta, but looking at my spend, the 1.5X on a CFU (if I PC'd) and the 5X on the CFF wouldn't contribute too much more. Am I nuts for trying to simplify or have others had this same sentiment?