I use a Plum as well (I actually got grandfathered in with 2% discount). My understanding is that you can technically save more with Starwood if you use all the

I use a Plum as well (I actually got grandfathered in with 2% discount). My understanding is that you can technically save more with Starwood if you use all the points perfectly, but I'm much happier with the simplicity of cash back.