Congrats!!
Regarding Amex, I would love to work out a long term plan for how to maximize MRs for myself, DH, and possibly even DD (P3). I feel I understand the basic plan for Chase cards but, when it comes to working out a long term plan for MRs, I am at a loss. Right now, I have 2 amex biz hotel cards and DH has 1 so we have used a few slots already with non-MR cards. Is there a recommended order to start getting MR earning cards with 2 or 3 persons?
In my experience, the Amex Membership Rewards program is much more complicated than the URs program. I'm not saying one is better than the other, just that MRs are much more complicated.
With Chase URs, you have the 2 Sapphires, 2 Freedoms for personal cards and 3 Inks for business card. It's very easy to understand what each of the cards brings to the table, you can combine all of your URs between cards and even spouses. The transfer partners are 1:1, The portal has flexibility, they cash out at 1cpp, etc.
With Amex MRs, you first want to evaluate redemption options before you start earning. Are you planning to get a Schwab Platinum card and cash out at 1.25cpp? Do the travel partners interest you? Are you going for Home Depot gift cards at 1cpp?
Then you need to remember that Amex does not allow you combine points across spouses. So if you both wanted to cash out, you'd need 2 Schwab Plats. And there's also the dreaded pop-up where if you aren't keeping Amex happy with your spend levels you might find yourself locked out of future earning.
The cards are all over the place too and most have hefty AFs. The personal cards will count towards 5/24. But you have a ton of options, ED, EDP, Gold, Green, Plat, Schwab Plat, Biz Plat, Biz Gold, Biz Green, Blue Business Plus (BBP).
Each one has a different sign-up bonus, varying annual fees, and different category multipliers. It would be really hard to give a solid recommendation on what card(s) to get here. If you're looking for a no-AF option to store your MRs, the BBP card is a good idea since it's a biz card BUT it will count against your 4 CC limit. Charge cards have a different limit, you can have 10 of those.
So hopefully this scattered post gives you a sense of why there isn't necessarily a roadmap on Amex MRs. If you're looking for a big bonus with a big MSR, then maybe Biz Plat is for you... but honestly you could probably come up with a reason to get any of these cards (or a reason to get none of them).