Trying to Complete a 4–5 Card Travel Setup..... Suggestions?
Looking to add a few new credit cards over the next few months to build a solid setup. My main goal is travel and hotel perks but I also want to cover most major spending categories without too many cards. I’m mostly in the Chase ecosystem but open to mixing in other issuers. I think the Amex Gold fits my natural spending but I’m trying to figure out whether keeping the Chase Sapphire Preferred makes sense or if I’d be better off leaning more on like a Amex + Venture X or some other combo of cards.
Current cards: Chase Sapphire Preferred & Discover IT
FICO score: 810
Oldest account: 4.5 years
Basic Monthly spending:
Groceries & online groceries: $650
Costco, Amazon, other online: $400
Dining/Entertainment: $200
Transportation (gas, insurance, tolls, parking, etc.): $350
Utilities: $500
Miscellaneous (subscriptions, Internet, YouTube TV, gym): $250
Card preferences:
Primary goals: Travel benefits
Cards I’m considering: Costco Visa, Amex Gold, Amex Blue Cash Preferred, Chase Freedom Unlimited as part of the set up
Spending & travel habits:
Frequent retailers & restaurants: local supermarkets, Costco, Amazon, Chipotle, Chick-fil-A
Hotels: Hyatt, Marriott
Airlines: American, Southwest
Would love recommendations on which cards would be the best fit and any advice for completing a 4–5 card setup based on this spending and travel.
Posted Jan 11, 2026, 8:05 PM UTC