Looking at the above charts, it appears that $50,000 in Fidelity is more attractive than $50,000 in Ameritrade because the Fidelity fees are lower. True? What about other hidden costs and duration of keeping the account open?

Also, it looks like the Starwood Ameritrade is the most attractive. I can put earn 20,000 *wood points for $25,000 and convert the points to 25,000 miles. I can put another $25,000 into my husband's Starwood account and earn another 20,000 points (i.e. another 25,000 miles.) Thus, with $50,000, we can earn 50,000 miles combined.

Am I computing things correctly or am I missing something about the Starwood Ameritrade offer?