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Additional Posts in All things points
Anyone know of start challenges etc for SPG?
Sounds like you aren't focused on earning points, but big thing with Residence Inn and Town Place Suites is that you earn half as many points as all other properties. Courtyard, Fairfield, and Spring Hill Suites are on the lower end, safe bet is to go for whichever is newest/most recently renovated. JW Marriotts are generally the best (without getting into the Ritz and Edition properties), followed by Renaissance, then generic Marriotts and Autograph. Since Autographs were former independent hotels, quality can vary a lot by property, but they can be quirkier. https://skift.com/2016/09/21/every-one-of-marriotts-30-hotel-brands-explained/
That's a really hard question to answer. You should learn the rules of the game then make an informed decision. There are plenty of resources out there with flowcharts that provides guidance to maximize value.
Start by learning the 5/24 rule.
Costco visa
Amex propel from Wells Fargo always gets talked about. But depends more on your spending habits, since most cards are bonusing specific categories.
I like Amex gold. I churn easily 25k+ of gift cards from grocery stores, so that’s an easy 100k MR every year for me.
You have to buy a specific type of gift card issued by a specific bank. If you really want to learn more, look up flyertalk walmart MO thread. It’s a huge topic & one of the last methods of manufactured spending since everything else got closed.
US Bank Altitude Reserve is my favorite premium card. 3X pts on Mobile Wallet is a game changer.
Short answer: no. Perhaps you can add the Amex Gold to the mix.
If you have those 3 cards, you’ve hit the best combination of credit cards.
Next up would be the Amex Centurion or JP Morgan Reserve.
It's not just about the spend, it's also about the perks. When using the offers and perks (especially airline credit), I make money on the Platinum. The Gold takes a little more work, but I get Shake Shack once a month. Also since it is my workhorse, it pays for itself.