Trying to Complete a 4–5 Card Travel Setup..... Suggestions?

Help Needed / Question

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

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