I'm quite happy with my Marriott Signature Visa. I find it useful to accumulate hotel points because I have a boatload of BA miles and Flying Blue miles that I find it hard to use because of the taxes/fees. It's only $65 per year and for that you get a free night certificate each year. In the first year, you get a certificate good for a level 1-4 hotel (expires after 6 months) and thereafter you get one for a level 1-5 hotel. You can top up your points by purchasing from internet retailers through the Marriott Rewards mall.

I had a Citi Thank You Points Mastercard but got rid of it after my account was compromised and Citi didn't do enough to make me feel like it wouldn't happen again. (Lots of stories on the internet about people having repeated problems with their Citi credit cards.)