Best way to split credit card spending b/w Chase Sapphire Reserve/ Citi Costco/ Apple Card

I have the CSR and the Costco card. I use Costco for purchases there and for gas (unless I have a quarterly 5% gas deal on another card). I put dining on the CSR even though the Costco card earns 4% and the CSR is 3% because of the 1.5% boost when using Ultimate Reward points with Chase. This has unfortunately been nerfed a bit with the Pay Yourself Back changes but it still works when booking travel through Chase. I churn cards so much I'm always doing a minimum spend of some kind. When I'm not I also use a 2% card to pick up all the 1% spend.

Apple Card is 2% back on all apple pay purchases, 1% if you swipe the card and 3% at select retailers. If a store takes apple pay that is my go to and it is just so easy to tap your phone. I get better than 1% cashback on several cards for non specialized categories. I just rotate between 3 that all offer 1.5% or more back on every purchase. I might get the Costco card, we already get 2% back but we honestly don't buy that much at costco, but when we do it is usually a pretty big purchase. I do use my Sam's CC but I think the last iteration made it a Walmart Capital one card... still get cashback at Sams and Walmart.

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What’s the advantage of using the Amazon card on Amazon?

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5% back on all Amazon purchases. It's a no-brainer really. I only use it to buy things on Amazon tho.

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Which one pays back the most at each of these places? Boom. Case closed. I tried to maximize credit card rewards in the past and quickly got tired of it for the extra $7 dollars you’ll get back vs the alternative. I have one card that gives back something everywhere so I don’t have to think about it and amazon card for amazon.

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This is what I do. Citi 2% cash back on everything and signed up for an Amazon card for 5% back on everything I order from Amazon. I don’t use the Amazon card, it’s linked to the account so the only physical card I use is the citi 2%.

Rotation we have is:

Costco Citi VISA - 4% on Gas, 3% on Restaurants, 2% at costco (Fee free)

AMEX Blue Cash Preferred- 6% on streaming, 6% on groceries ($95 annual fee)

Chase Amazon Prime VISA - 5% back at amazon (fee free)

Cap One Venture VISA - 2x miles on everything else ($59 annual fee)

Wife also has a redcard for Target which is 5% discount at purchase.

We also have Chase Freedom for 5% rotating categories but typically the 5% prime card or 6% AMEX card covers those as good or better so rarely gets used unless it's gas in a quarter which we switch to using that vs. Costco citi.

In 2022 these were our rewards on these cards:

Cap One Venture - Spent $40,424 for 80,848 miles ($808 of cash back equivalent redeeming miles to cover travel purchases)
Costco VISA - Spent $23,176 for a Costco Cash check to be $667.68
Prime card - Spent $3,346 for $167.30 in amazon credit
AMEX blue cash - Spent $3,798 for $227.88 in cash back (all 6%)
Chase Freedom - Spent $159 for $7.95 cash back
Wife redcard - Spent $497 for $24.85 discount at Target

Not too bad for the year and justified all the fee cards at least.

Also redeemed some of the special offers on some of the cards for more discounts, mostly on AMEX. they have the best special offers typically.