Diggity said:

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I use the card that gives me the best return for the spend, which is usually RH or CSR. I only use Amex for travel related spend as the Platinum has crappy points for the most part.

There are certainly some nebulous perks on these cards (Peloton, Oura Ring, Equinox, etc.) but I've found plenty of value in the $300-400 restaurant perks, travel, entertainment, Uber credits, etc.

You're correct that it's not a slam dunk for everyone, but I enjoy the challenge of extracting as much value as possible. I was ready to go down to one card when they both increased their fees, but decided to churn the CSR one more time by signing up my wife.

A good example was the recent $359 Whoop credit. The deal was designed to get members to buy a Whoop band for "free" but have to pay a yearly fee for the service. Reddit folks figured out quickly you could use the credit for apparel as well. Now would I have paid $360 for a bunch of jogging shorts and boxers? no...but getting them for nothing is a nice way to extract value. I would probably value that at $100 rather than $359, but it helps to chip away at that AF.

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