Originally Posted by MrMosby

I need help, I don't know if I'm racking up rewards where they are most worth it or if I should make a change.

So far I have been primarily using Freedom+CSP to get UR points. Because of that I also picked up a Ritz Card for the 70K bonus points since it's one of the places I can transfer my UR points.

Where it gets interesting is my Wife has a lot of Delta Skymiles, and Delta is the primary air carrier here. It seems that there is kind of a Points island of sounds with Delta/SPG (and maybe Hilton in there). So with Delta being so prominent would I be better served focusing on MR/SkyMiles/HHonors instead?

I also travel a few times a month for work, so its an opportunity to get points that way as well. Typically I would stay at a Courtyard or Hampton (which I love the free breakfast). I haven't had nearly as much luck with Aloft/SPG hotels so I don't know if the extra points are worth an uncomfortable hotel stay.

TL;DR is the Freedom+CSP+Ritz a good combination even with Delta being the primary air carrier, or should I be looking at something else.