$4K - (just from Hilton stays too)

I get it, I only have $11K to go, but right or wrong, I generally put my daily spending on my Delta Platinum card to hit the MQD waiver (I already have enough miles for gold medallion, if I don’t hit the MQD waiver it’s all for nothing). There’s no way I can close both the Hilton + Delta requirements by 12/31

My plan is to quit the airline loyalty game next year, and come 1/1 funnel all my spending to a Hilton card (probably Surpass) to start banking for a return trip to the Maldives.

Also get the sign up bonus is better but I don’t prefer to churn cards (this one has a really long history)

More I think about it, I’m thinking I go with the free card and pray for an upgrade bonus on 1/1.