Originally Posted by
montreid
+1 BOTH. They are complimentary to each other. What SPG doesn't cover in hotels/airlines, UR does. Same for the point accrual, they really don't overlap.
I like UR for the bonus opportunities, particularly CSP 2X on travel and dining, and supplement with the free Hilton Amex for its bonuses on gas, groceries, and drugstores. That gets enough of my spending into bonus categories that I can't get the math to work on paying another annual fee for SPG's more valuable points on non-bonused spend.