Don't know why I thought it was 7 points per dollar. So for a lifetime Plat, the only reason to hold onto the Marriott card is for the Cat. 1-5 cert each year. That costs an $85 annual fee. Might be time to ditch it.

I like the Saphire Reserve card and intend to keep it and pay $450 each year. The $150 true annual cost after $300 credit is worth it for the Priority Pass with unlimited guests, although I was declined entry into the Alaska Boardroom at LAX Friday.

Thanks for the education!