I am looking at growing the credit cards I use on a day-to-day basis & pick up some no AF cards with great benefits & reward programs.

I’m looking at the Chase Freedom Unlimited, & Citi Custom Cash.

Lemme know with any other cards y’all may recommend & what benefits brought you into using it

I'm done with the churning game, it was fun and I liked chasing rewards. But, I think I grew past that now and I think its worth the simplicity of a few cards and I don't have to stress about chasing rewards etc anymore. In the long run, the peace of mind from simplicity beats any extra rewards. I'm getting good at using the right card at the right place. Once in 4 years, I might still apply for Chase Sapphire, and downgrade it. Me and spouse are on different cycles ;)

Here is my list, I'm open to new cards or replacing with higher value if there are suggestions.

• Citi Double Cash: This is my catch-all. 2% on everything

• Chase Freedom: Rental insurance (I don't care that much about revolving/rotating)

• Altitute Go: DineIn, Restaurants, 3% upto $2k/quarter. This used to be better.

• Citi Custom Cash: My default for Grocery, 5% upto %500 monthly.

• Cap one venture: Free Intl transaction, Virtual credit cards.

If I were to do this again, I would probably get rid of venture one, double cash and chase freedom and just get Fidelity (but lose out on virtual cards). I just happen to have these already. I'd end up with just:

• Altitute Go: DineIn, Restaurants, 4% upto $2k/quarter. This used to be better.

• Citi Custom Cash: My default for Grocery, 5% upto %500 monthly.

• Fidelity: 2% catch all, rental and free Int'l transactions.

I have been fascinated lately with no annual fee cards that give free credits, now I know there are plenty of annual fee cards out there that can give you better multipliers for your spend and credits to offset the annual fee but I want this post to be just no annual fee cards that offer some credit.

So far these are the only ones I have found but would love to see if there are other ones!

• Blue Cash Everyday Card

  • $84 Disney Streaming Credit

• U.S. Bank Altitude Connect Visa Signature Card

  • $100 TSA PreCheck or Global Entry Credit

  • 4 free Priority Pass visits (Didn't know if I should include this, but feels like a credit)

• Fidelity Rewards Visa Signature Credit Card

  • $100 TSA PreCheck or Global Entry Credit

• Mesa Homeowners Card

  • $65 Annual Costco Statement Credit

  • $200 Annual Thumbtack Credit

  • $120 Annual Wag! Credit

  • $120 Annual Lowe's Credit

  • $100 Armadillo Home Warranty Credit

  • $120 Annual The Farmer's Dog Credit