I vote for the starwood AMEX. I think I have only stayed at a 4 points in the entire time I have had this card. I think the low fee (free was better of course)is well spent when you consider the flexibility and the 5K bonus. I would say I have funded my AA account mostly with this card - getting miles by buying savings bonds among other things. I also have citibank AA MC's but I do not pay the fee because I have a citigold account at citibank so that is a perk for their $95 fee (which was reduced from $125). I also get a free diner's club which I use only for car rentals. So I use my AMEX first. If a place does not take AMEX I use my citibank. The citibank card came in handy with c2it before they started charging fees, and now to load the citicashcards offerred through citibank. The loads count as purchases, MC and VIsa only accepted and money can be withdrawn at a citibank ATM at no fee. So, I would vote for the AMEX, and citibank AA card, and drop your Continental card. That way you could build your AA card, and transfer to CO from AMEX if you need to top off.

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Ms.DtG