Ashton
1
I have 7 credit cards right now and I’m trying to simplify my finances. If you could only have 4 credit cards, which ones would you keep and why?
I eat out moderately, travel occasionally, drive an EV (so no gas expenses), and rent an apartment. Just looking for well-rounded recommendations.
Tilden
2
I trimmed down to four cards, and it’s been working well for me:
- Capital One Venture X – 2x points on everything, good travel perks
- Capital One Savor – 3% on entertainment and dining
- Citi Custom Cash – 5% on groceries (caps at $500 monthly)
- BILT – 1% on rent, plus decent points for dining and travel
This setup covers all my major spending categories while keeping it simple.
My ideal 4-card setup:
- Amex Gold – 4x dining, 4x groceries
- Chase Sapphire Reserve – great for travel, 3x on dining, access to Priority Pass lounges
- BILT – 1x rent, 3x dining, no annual fee
- Discover Cash Back – rotating 5% categories
This covers travel, dining, and rent while keeping it flexible.
Mine would be:
- US Bank Altitude Reserve – 4.5% on mobile wallet purchases
- Capital One Venture X – 2x on everything, solid travel perks
- Amex Gold – 4x groceries and dining
- BILT – 1% rent, 3x dining, 2x travel
This covers everyday spending, rent, and travel while keeping point-earning optimized.
Gia
5
Venture X, Savor, Bilt, Amex Gold. It’s a well-balanced mix of cash back, travel perks, and useful category bonuses.
Brown
7
I only need three:
- Capital One Venture X – 2x on everything, travel perks
- Capital One Savor – 3% dining, entertainment, grocery
- Chase Amazon Visa – 5% Amazon
That setup covers all my expenses efficiently.
Jules
8
Hilton Aspire, Amex Gold, Venture X, and BILT. All solid cards with good value if you travel and dine out.
Davi
9
Venture X (2x), Savor (3% groceries), CSP (3% dining/travel), Costco Citi (gas).
Merrill
10
BILT for rent, Amex Gold for dining/groceries, Charles Schwab Platinum for lounge access + MR cashouts, Chase Freedom Flex for 5% rotating categories.
Ronald
11
If you want maximum value:
- BILT – Rent + 3x dining, 2x travel
- Bank of America Premium Elite – 3.5% on travel/dining (or 4.38% if used for flights)
- Bank of America Customized Cash – 5.25% in one chosen category
- US Bank Smartly – 4% cash back if you hold assets with them