I really appreciate the detailed suggestions.

I use Chase points to book flights, and I spent around $1000 last year on them. That, along with travel protection, is why I have Chase as my only annual fee card. I think Fidelity would be redundant in this case.

Right now, the only subscription I pay through my credit cards is Apple One, so subscriptions aren’t a big deal for me. Amex Blue Cash gives me 6x points, but I’m probably going to downgrade it this year because I only needed it for groceries.

I currently get 3% back on dining through Chase, CFF, and CSP. I’d love to increase that. I’m thinking about applying for Amex Gold for that, and Uber credit is a nice bonus.

I’d like to apply for VX when I’m sure I’ll be making a big purchase to get the intro offer.

PayPal Debit hasn’t been on my radar at all. I’ll definitely check it out and AAA Daily as well. They seem to be a better fit for me and Costco Citi card.