Bit of a wrinkle in the UA Explorer rental idea. I forgot I have a BT on that card going right now, so I don't want to make any further charges. AMEX SPG or AMEX Hilton the way to go, then, or Citi Premier or Citi Prestige?

Booking with the AAA rate doesn't count as a coupon, etc, in terms of insurance coverage from the cards, right?