Welcome to Flyertalk.

What is your reward objective? When you travel do you primarily fly on Midwest Airlines or AA?

With $65,000 income your credit card spending is probably less than $40,000 per year, and you are dividing it between three programs: American Airlines AAdvantage, Hilton HHonors and Citi ThankYou.

HHonors points are only good value if redeemed for hotel stays, and the best value is achieved at 125/145,000. I would try to shift much of the Citi Forward spending onto the HHonors card by purchasing dining and retail gift cards at a supermarket or pharmacy to earn 6 HHonors points per dollar. Otherwise, it may take a very l-o-n-g time to acumulate sufficient HHonors points for a memorable reward.