Logistics (12) 15-3 While it's a strong card and often equipped late game, it's not always needed if you don't need to move stuff around atm. I didn't really think it should be #2 so that's as far as it should go.
Wisselbanken (23) (22+1) Because it works with CS's it's even better for games you have no allies, as destroying rivals also destroys their envoys, and making it easier for you to be suzerain. If you're not warmongering and you have no allies, then you really need to fix your diplomacy.
I am naturally biased towards cultural victories (probably 90%) so that often means I'll never switch into Democracy until the end when the AI does so to match their government and avoid the tourism penalty. By that time it doesn't really matter but Wisselbanken is pretty much permanently used once unlocked unless I really need gold badly. If things are going well, I tend to go Wisselbanken and Raj. Sometimes hotswap Containment. You can't spy on allies and that's taken a lot of its appeal away from me especially since I beat down on non-allies and some few thousand gold at the end is inconsequential. Just pillage their stuff if you need some gold.
In Diplo Victories, I may plug in Collective Activism to finish the civics but this is usually a temporary action.
Science Victories would be much different. Spies become much more useful and you may want Cryptography, ISA, and Collective Activism. But even in these cases, production is king through a SV, so I would still devote a wildcard to Wisselbanken if appropriate. Synthetic Technocracy + Democratic Legacy + Wisselbanken isn't uncommon.
And you might actually want the food to grow to 15 but then again Rationalism is a dead meme.
All this in mind, I also try to build Potala Palace more these days.