It really depends on what you will use the points for. I use the Freedom/CSP combo because of how easy UR points are to get. This month already, after my Freedom statement closes, I will have earned about 15k UR alone, not including dividends of 7% and 10% at the end of the year. With the ease of getting UR points and having the CSP to transfer them, that limits me to IHG, Marriott or Hyatt. Hyatt has some NICE high end properties that I'll use for splurging on vacations, but anything that's just an overnight I'll still pay for, with whatever company is cheapest.