Looking to improve credit card pool
I’m trying to clean up and improve my credit card setup, specifically for a better daily-use card. I pay all cards in full pretty much weekly and never have a balance on anything.
Right now my household card pool looks like this:
Amex Platinum — I mainly use this for travel perks, flights, lounges, etc. Not really a daily spender. (No annual fee due to SCRA)
Capital One VentureOne — This is my oldest credit line. I barely use it and only keep my Spotify subscription on it to keep the account active.
USAA Signature Visa — Was living in Europe for awhile and they didn’t take AMEX a lot of places so this is/has been my daily spender. I don’t really get much value in returns from this from this and would like to sock drawer it.
Costco Citi Visa — My wife has this, but we would really only use it for Costco and it’s her first credit card/only credit card.
I recently moved my banking to Navy Federal, so I was thinking about getting a Navy Fed card as my main daily-use card. I’ve been looking at something like the Navy Federal cashRewards or possibly the Flagship Rewards, but I’m leaning toward something simple with no annual fee as the flagship has a $49 annual fee.
My goal is not to collect cards just to collect them. I’m mainly trying to have:
Amex Platinum for travel/perks
Costco Citi for Costco
Capital One VentureOne kept open for credit history
USAA small subscription on to keep active
One new card as my everyday daily-use card that has better rewards/cash back.
I’m just wondering if getting another card for this purpose makes sense, or if I’m overcomplicating things.
Would you get another card in this situation? I’m mainly looking for a cash back type of card I think as my daily spending. I alternate cards and still use my AMEX frequently so it won’t go unused.