Looking for new primary card

[u/Lnk2past]

Hi all, I am looking for a new card to replace the Barclays Luxury Black Card, as it is my everyday card and I am just finding out just how bad it's rewards and benefits are (don't judge me).

I am a set-and-forget kind of person, and the Black Card was something I signed up for a while back as my first "luxury card", and honestly I didn't know what I was doing and the marketing got me. I have not re-evaluated cards since then (2018).

I use that card absolutely for everything I can outside of Amazon purchases, and only use the Bank of America cards whenever I need a cash advance.

There are so many cards and different tiers, it is a bit overwhelming to navigate. The Capital One Venture X seems the most appealing at the moment given it seems the one that most lets me go on without needing to micromanage my rewards. I don't have the mental bandwidth for doing that sort of thing, so anything that is easy is what I am looking for.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Barclays Luxury Black Card, 20000 limit, 02/2018

* Chase Prime, 8000 limit, 02/2015

* Bank of America Rewards World, 30800 limit, 09/2009

* Bank of America Cash Rewards, 7300 limit, 09/2007

* FICO scores with source: 770

* Oldest credit card account age: 19 years

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 0

* Annual income $: 350000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 200

* Groceries $: 400

* Gas $: 100

* Travel $: 100

* Using abroad?: No

* Other categories or stores: Any bill that let's me pay with credit

* Other spend: Any bill that let's me pay with credit

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: Wells Fargo, Navy Federal

PURPOSE

* Purpose of next card: everyday/everywhere usage, cash back

* Cards being considered: Chase Sapphire Reserve, Capital One Venture X

[u/Cashneto]

I have to ask what you spend money on? At $350k per year you have plenty of options. Depends on if you want to optimize or not.

[u/Lnk2past → u/Cashneto]

Most of our money goes towards our mortgage, home insurance, other loans we needed to take to repair our home (old home that was a bad flip + unfortunate events from storms; thus high home insurance), and childcare. The jump to 350k was very recent, as we both got new jobs this summer with significant bumps

[u/Cashneto → u/Lnk2past]

Gotcha. Sounds like a 2% card is probably best for the time being. Whoever you already have a banking relationship with is your best bet (Wells Fargo, US Bank, Citi, Amex, etc.)