I have plenty good credit ~800 - but I know churning cards can give a hit to it - not that I need any great credit - not plans to purchase a home - and I pay for cars in cash.

I could churn every year, but don't want to pay multiple annual fees, I will pay for one card with a fee per year - provided the benefits significantly outweigh the fee. I think I will get the citi hilton reserve card - get free two night stays, then check things out before the renewal period. I wish Marriot had a free card that I could use when I stay there, and slowly gather points - especially when I stay at marriott hotels.

SPG's is great, but just not in the locations where I like to stay.