I think the card you churn needs to meet your goal(s). What do you want from the card? Does the card give you what you want? Does the card give you good value for the annual fee? DH hates all the different credit card statements but shuts up when I show him how much free money we get!
I primarily hold Citi Costco Visa and AMEX Hilton Honors. Between the 4 adults in our family, one of us holds a SW Visa to rotate through the bonus sign-up points each year. We would fly anyway SW goes that doesn’t require a layover and is no longer than a 2 hour flight time. Depending on where we are planning to travel, we can hold Alaska, Disney, Hawaiian, and United (DH has is for work) also. I love the design of Disney Visa but I’m not sure I’ll get a Disney Visa for our next trip because other cards, mainly Costco Visa and AMEX, have better cash values. I’ve been toying with getting a Marriott credit card to churn for Swan and Dolphin for our next trip in 2022.
Disney Visa – I’ve held Disney Visa for the 12 months leading up to a WDW trip. The biggest perks for me are the $200-$300 statement credit, and 10% off at shopDisney, Disney store, and select dining.
The cash value for my 2019 trip from my Disney Visa was a little over $200.
Hilton Honors – With the credit card, we are gold members that come with perks (including the 5th night free, if you book 4 nights on points; and no resort fees, if you book with points or vouchers) and additional points.
The cash value for my 2019 trip to FL for our WDW trip from my Hilton Honors AMEX was about $4,500. It took us less than 2 years to save enough points. We stayed further away the first 5 nights because we didn’t need the WDW perks. The next 10 nights we stayed at the Hilton at Bonnet Creek, where we had WDW perks. The final 4 nights was a last minute add on because I had the flu and couldn’t fly home. We stayed near the airport.
Alaska Visa – The cash value for my 2019 WDW trip from Alaska Visa was about $700.