Optimizing Cards Post-Marriage

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Chase Freedom Unlimited $10,000 Limit, 05/2018
  • Chase Sapphire Preferred $16,000 Limit, 04/2019
  • Chase Prime Visa $15,000 Limit, 01/2023
  • Capital One Savor Rewards $5,000 Limit, 10/2018
• FICO scores with source: 800
• Oldest credit card account age: 7 years
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 0
• Cards approved in the past 24 months: 0
• Annual income $: 300000

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: No
• Estimate average monthly spend in the categories below.
  • Dining $: 1500
  • Groceries $: $400 at regular grocery stores. $100/mo at Costco
  • Gas $: 100 (primarily costco)
  • Travel $: 300 on flights/hotels. 200 on rideshare
  • Using abroad?: no. just normal travel
  • Other categories or stores: amazon, retail
  • Other spend:
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Costco
• Open to business cards: Yes

PURPOSE

• Purpose of next card: Other

• Cards being considered: Choosing between my Sapphire Preferred and wife's Sapphire Reserve (factoring in 195/yr authorized user fee). Then AMEX Blue Cash (everyday or preferred), Citi Double Cash, Costco Anywhere

ADDITIONAL INFO

Post-marraige, we are trying to better optimize our spending. Our first decision is regarding what to do with the Chase Sapphires. I have Preferred; Spouse has Reserve. I feel like this would be an easier decision without the authorized user fee.

I have done a good chunk of research to narrow down the cards listed. I'd rather stick with the Chase portal compared to CapitalOne or one of the others.