My "issue" is that I'm trying to figure out which way to go between Starriott. Membership Rewards, and UR. I have both Starwood and Marriott cards, I'm a new Platinum Amex member (where I've been fortunate to have the AF paid for by Morgan Stanley), and Ultimate Rewards, where I'm a new CFU owner, racking up points at 3% for a year, and trying to figure out whether to go all-in with a CSR.

I don't have a ton of points in any of them, I like to travel maybe once a year (one or two more times per year would be great), and I don't want to water things down by spreading everything across three programs.

Right now my plan is to keep using my SPG Amex to get that sweet 1:3 conversion on August 1st, and then probably move to CSR, but having the Platinum Amex is throwing a wrench in things. I could get the Amex Everyday Preferred and use that to build MR, but I'm not sure if MR is the right program for me. Plus, I always have to have a Visa with me anyway, because not everyone takes Amex, so why not just get a CSR and use that as my only card?

I just don't know what to do.