Hi I am reading some recent posts on what type of credit card to use to aquire points. My husband has the business Amex which racks up some nice points and we also use a HHonors Visa for hotel stays. I was reading about Starwood Amex because it is convertible. Are the Hilton ones convertible?(Also, hubby flies delta frequently for business in US)I also have optima, but am dissappointed in the point - half point conversion they give me. Have at&t hooked up to continental airlines. I feel I should have and airlines amex rather than optima. What do you think?????Thanks.