I am considering applying for the SPG AMEX and one other card, either the DLReserve or Platinum DL. Of course I would like the Reserve for the higher MQMs but I know I would only be getting the 10k initial offer. My concern is the annual fee. How do I avoid it? Is this where "churning" would come into play or some other strategy? Also, my credit score is in the excellent range. I know most of you apply for multiple cards(>3) at once but I am just not ready to apply for more than 2-3. So is there a third anyone could suggest. I do have the Chase Sapphire (over a year) and a USAir MC (over a year).