Assuming everyday spending, not factoring any signup bonuses, and assigning rough point values which are quite variable depending on what you'll do with them and how many total points you have...
spg: 20K SPG at 2.25=$450
chase freedom (with checking) 22K UR at 1.8=$396
chase sapphire preffered 21.4K UR at 1.8=$385
chase united club 30K UA at 1.75=$525
chase united explorer 20K UA at 1.75=$350