@sdsoccerdad, my suggestion was based on a person not having an AmEx and the Hilton Aspire being the target card. From a churning perspective, I think the optimum strategy is to go Chase Trifecta, AmEx Trifecta and then get Hilton Aspire. I think that if you are just starting out with a fresh file and 2 or 3 cards, that is the way to go. The 4X MR have a larger range but 8X > 4X. Also, it depends on how much you value Hilton Honors points and Diamond perks.