<prompt> Human: Im looking to get a new credit card and am looking to maximize my rewards. Im likely going to use it to pay my rent each month. I know some people discourage others from doing so, but itd be a 3 difference in fees between using a card and paying directly from my checking account. Anyone have either of these two cards and have any thoughts?  <response>: If youre looking at the sign-up deals, the Southwest 40k promo is not great. Its been 60k in the past and they were even offering 50k on the flight I was just on last week. The Marriott 100k offer is very good. Some award values are going to change when they merge with Starwood in a few months, so you might want to look into that if you have particular hotels in mind. There are tons of articles if you check some of the blogging sites like BoardingArea. 