JonE wrote: I have thought about whether the PRG is going to be necessary. I want the EDP for the swipe bonus over 30 per month, that would be my general spending card plus the categories for gas and Groceries (when Freedom isn't in 5% for gas like it is for another month or so). And for what little traveling I do, CSP would probably work as a travel and dining card. And it would be nice having the combo. I wasn't planning on getting more than 5 cards anyway, but running afoul of the 5/24 rule with Chase isn't in the plans.
After 4 months of checking offers more regularly, and using Amex Checkout once, I've gotten $76 of economic value from having PRG. Over the course of the next 8 months, and from the annual airfare credit (and extra airfare MRs), I think I will get my AF's worth. So I think of PRG as a sort of "Platinum on demand" card. That is, I hope to pay a $0 net AF as long as it's a PRG and can convert it to Platinum at any time without having inquiries or a new account.
That said...if I'd never gotten PRG, I don't know if I'd apply for one right now.