WWYD - put Hilton and IHG spend on their co-branded cards, or on CSR? Is 3 UR worth as much as 14 HH and/or 10 IHG points?
do the math. if you value chase at 1.5 so its 3 x 1.5 = 4.5% back.
I value hilton at .5 so its 14 * .5 = 7% back
IHG may be more on the border for me as I so rarely use their points i don't have a great set value. In general probably between .4 and .5