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This is an important topic that almost never gets discussed here on CB. I have to admit that I cringe when I see someone apply for a bunch of different rewards cards with AFs and then ask how to best use them. Research is key, and I hope this thread can help a lot of people, myself included, better plan and work out a strategy for rewards. I think the first thing to decide is what type of rewards you are after. If you're after cash back, that will mean a different set of cards than someone after travel rewards. Are you airline loyal? Travel for work? Travel only on award tickets? __________ OK, thread intro is over. Here's my current strategy. I am mainly after travel rewards, but I don't travel for work and plan on flying mostly on award tickets. My main cards: Chase SP: restaurants and travel Chase Freedom: 5% categories Amex PRG: groceries and gas when not in the Freedom 5% Amex SPG: 1% category purchases I supplement points earned in these programs with signup bonuses on co-branded airline CCs, but because I am booking award tickets, having a co-branded airline CC is not part of my long term plan. Here are some changes I am considering for my porftolio: Chase Freedom: 5% categories Chase Ink Plus: 5% on office supply stores, cellular phone, landline, internet and cable TV services Chase SP rewards would be redundant with Citi card Amex PRG replace with Amex Everyday Preferred Amex Everyday Preferred: groceries and gas when not in the Freedom 5% Amex SPG: 1% categories Citi Thank You Premier OR Prestige: would replace the restaurant and travel purchases from the CSP I am open to opinions as to whether the Thank You Premier or the Prestige would be a better card. I am leaning towards the Prestige, but I will probably get the TY Premier first for the bonus. This plan would give me cards in 4 major points programs and a lot of flexibility. Opinions?

NFCU gave me a CLI from $19,000 to $25,000 on my Flagship Visa today!!! :yahoo: My goal had been to get it up to $25K so I can request a huge CLI when my reports are clean. Now I have a pretty good pry bar moving forward. All I can say is I love NFCU!