@GrantLahring_Neo You’re right — the annual fee difference is fair, but I can still get almost the same cashback just using Amex. The main reason I’m exploring a two-card combo is to take advantage of Chexy, since I’ll be losing rent cashback. Neo’s spend limits weren’t too restrictive overall, except for recurring payments, which ruled out Chexy earlier. The partner perks sound great in theory, but they’re pretty limited in practice — and the progressive reward structure makes it even more complicated, since each partner has its own rules or timelines (like needing multiple visits or spending $150 to unlock an extra discount). Some users might adjust their habits to maximize that, but in my case, it wasn’t worth the effort — especially after a not-so-great experience I shared in my post Worsening customer experience with Neo. Thankfully, @Sana_Neo was able to help resolve it back then.
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