I spend approximately 20k/year on my personal cards. $4k travel for fun, $3k dining out, $2k groceries, and $1k gas. The rest is other spend (cell phone bill, cable, internet, clothes, etc. - regular everyday stuff).

I have an Amex BCE, and hate the cash back. Why you can only cash in $25 increments is beyond me. I've had a Plat, and OG Gold Card. None of those were worth the AF to me.

Based on my spend, would I be better off going for the PRG or SPG? I just want to have points I can use for travel/hotels/etc. because I travel 5-6 times a year for pleasure. I'm also not looking to churn and burn. I want something to keep for a while, so the AF needs to be worth the perks.

Your collective wisdom is appreciated!