I am reviewing my current credit card situation and trying to see if I can do better. I am not looking to do an AoR, just a better daily mix. Where I live: Atlanta What I spend: $20k/yr no significant category Where I go (mainly Delta, never enough to get status) 6 Domestic 2 International What I have: SPG Amex ($15k/yr) Cash & Points is sweet and I like the Delta transfer option even if Skymiles tend to be a poor currency CapOne VentureOne ($5k) For places that don't take Amex and for International stuff Delta Amex Never use but I check a bag at least three times a year on Delta so this is a no brainer. So I have 15k Starpoints and 6,250 Venture Points a year. Just based on the category spend plus 7% bonus I would end up with roughly 31k UR points if I got a CSP. Is that worth an extra $30 in annual fees? Yes I could transfer UR points to KE and redeem on Delta but if I don't fly on my Skymiles account I don't get the Delta Amex perks (right?). The hotel redemption options don't look as attractive as SPG but it is hard to say really. So, advice? Is my current combo the best bang for spend or is there something else I should consider?