Saintsfanfl
TUG Member
First, the OP didn’t state his objective as buying Marriott travel packages. Granted, if that is his objective, I agree with you 100%. In MY case, I pay the MFs with the CSR and use the very valuable points for high value transfer to frequent flyer programs. Oh, did I say ymmv. Peace.
Hence why I said from the beginning that it depends on how you use them.
Even if you do not do a travel package taking your math blind of .009 vs .022 it is actually .018 vs .022 because you get 6 points with SPG and 3 only UR points with CSR. One would only need to nudge the value a little to break even or come out ahead.
If you look at it closer you could book a 5 night travel package, never even use the 5 nights, and you still come out a little better than 1:1 miles when compared to UR. This is of course assuming 6 points per dollar on the maintenance fee spending.