Pros
- No annual fee credit card trifecta option
- Annual fee of $95 for Autograph Journey is offset by a $50 annual travel credit.
- Rewards are easily pooled together, even on the mobile app.
- Expanded rewards redemption with transfer partners.
- No need to book travel through a portal.
- Transfer travel rewards at a 1:2 ratio with Choice Privileges hotels.
- Extensive rewards categories across the three cards.
- Uncapped rewards on all three cards.
Cons
- Foreign currency conversion fees on the Active Cash and Attune
- Fewer transfer partners compared to Chase and Amex
- 48 month restriction between welcome offers.
- Could be challenging to balance three cards.
- Must wait at least 6 months between applications.