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[quote=Anonymous]I have looked at the Chase Sapphire cards and to me they seem complicated.  I'm sure it's not that complicated, but it looks like a little bit of work, which I'm not interested in.

I have the United Mileage Plus card and AMEX Hilton Honors card.  Both have $95 annual fees, which isn't too bad since the Hilton card provides a free night stay at any Hilton property every year if you reach 15k  spent.  The United card provides free checked bags and priority boarding, which means if you don't check a bag you're guaranteed to get bin space.

Of the two cards, I probably like the Hilton card the best, since points seem to accumulate faster.  Another perk of Hilton AMEX is automatic Gold status, which gives you some food and beverage credits.

In the end, a no fee Discover card with cashback is probably the smartest play, but we do like to travel and with the AMEX card we have gotten more "free" nights than I can count.  Free in quotes, since nothing's free, but we do pay off the card monthly, so I guess it works for us.[/quote]

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