Best personal credit card to get and how to maximize points?

Preferably benefits Marriott & Delta/United

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In general CSR; Amex Plat if you travel a lot on Delta for lounge access.

But in general it all depends on how much spend, purchase source, redemption preference etc..

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CSR /thread

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M1 gets it. Lots of factors to consider and I spend a little time figuring out how much I spend on certain categories, like travel, groceries, dining, etc. to make sure the AF is worth it. Also worth considering some hotel cards, even if the points aren’t as valuable. Marriott did just devalue their redemptions, but the Brilliant card does give you 1 free night for essentially $150

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