With the devaluation of SPG, what card should I standardize on? Details inside.

[ghurty]

With the devaluation of SPG cards, I am trying to decide which card to standardize on for my personal and business.
Currently my personal cards are the Amex SPG , Chase Sapphire Preferred, Amex Platinum, and the JP Morgan Reserve. Most of my personal expenses are on the SPG and I spend about $100k per year on it.
For business I have the Amex SPG and the Chase Ink Bold (or whatever they renamed it to). Most of my business purchases (about $900K per year) are on the Amex SPG and about $100K per year are on the Ink Bold.

I will not be able to keep track of using separate cards for different stuff based on bonuses, etc... So I am trying to decide which is the best card for me to standardize on for personal and business.

Thank you

[Dan]

https://www.dansdeals.com/credit-cards/chase-quadfecta-least-23-arent-rightbut/

[farmbochur]

https://www.dansdeals.com/credit-cards/chase-quadfecta-least-23-arent-rightbut/

Need to think about adding world of hyatt to the convo

[Dan]

Need to think about adding world of hyatt to the convo

Tough to figure out how to value free nights and status in that equation.

[PillanSmye]

I will not be able to keep track of using separate cards for different stuff based on bonuses, etc

Why?

[ghurty]

Thank you, I will read through that post.
As far as not keeping track, the same reason why I dont always try to get the best deal anymore. I had to make the decision between making extra points/saving money and running a business. And the businesswon out. BH, the revenue of the business is well into 7 digits and my profit margins are extremely healthy.

[coralsnake]

https://www.dansdeals.com/credit-cards/chase-quadfecta-least-23-arent-rightbut/

The problem I have is that Chase is not Amex.

Such as:
Item broke after 13 mo, no problem! It was purchased on an Amex!
Want to return an item after the stores limited return window, also no problem! Of course I used Amex!
Etc, etc.

Chase don't have none of them goodies.

[Dan]

The problem I have is that Chase is not Amex.

Such as:
Item broke after 13 mo, no problem! It was purchased on an Amex!
Want to return an item after the stores limited return window, also no problem! Of course I used Amex!
Etc, etc.

Chase don't have none of them goodies.

Diversify for items that might need warranty coverage?

[Dan]

Thank you, I will read through that post.
As far as not keeping track, the same reason why I dont always try to get the best deal anymore. I had to make the decision between making extra points/saving money and running a business. And the businesswon out. BH, the revenue of the business is well into 7 digits and my profit margins are extremely healthy.

Why is it a contradiction?
With a couple hours of research you can make a straightforward plan. A good strategy matters more for a successful business than it does for a small spender.

[PillanSmye]

Why is it a contradiction?
With a couple hours of research you can make a straightforward plan. A good strategy matters more for a successful business than it does for a small spender.

Exactly.  It would take me 3 minutes to look at a P&L and see where expense categories are.  Then a couple hours to pick the best cards for those categories (and that couple hours is if you didn't know anything, it would probably take one of us about 2 minutes). Especially when the two business cards currently used are both cards that earn on rewards currencies so it's obviously something of value to the OP.

[12HRS]

I won't switch my main spending to chase. To risky for that level of spend. I am guessing I end up focusing on EDP

[coralsnake]

Diversify for items that might need warranty coverage?

Not practical. How can I decide beforehand which items might need RP or a Dispute etc?

I sleep well at night knowing that I'm using Amex.

[Dan]

Not practical. How can I decide beforehand which items might need RP or a Dispute etc?

I sleep well at night knowing that I'm using Amex.

Aside from expensive electronics and items that are final sale, probably not much.