Originally Posted by
guv1976
The answer depends on what your travel plans are, and whether you can make good use of the ancillary benefits offered by the various cards. For example, is getting a free checked bag when you fly Economy Class important to you? Airline credit cards often offer that benefit; other cards do not. What are your intended redemptions? And in what class of service?
And it doesn’t have to be an either/or question. For many people it makes sense to use one of more UR or MR credit cards to earn flexible points and also hold (*) one or more hotel/airline branded cards for the ancillary benefits (free bags, elite status, ….). The correct answer depends on the travel needs/patterns and probably also on the spend pattern.
(*) often in a sock drawer with minimal spend on those cards.