Thanks for the input! A couple of insights into my next year I probably should have included

1. The credit assumption previously mentioned is accurate

2. travel goals: definitely more travel. I'm moving to the west coast but went to school on the east coast, and want to be able to go back and visit friends (that and a few trips abroad would be nice). But again flexibility is preferred because of general uncertainty.

3. I should have clarified spending habits. I will be paying in full every month. I anticipate a pretty hefty chunk of expenses over the next few months, but after that spending becomes up in the air. The reason for this is because I have the opportunity to live at home (at least until I go crazy), which removes the idea of paying for groceries/rent/utilities (I have nice parents). I will probably be chipping in here or there for some things but not the typical post grad list. My spending (that I expect, again just a projection) will be gas, food (when I'm not at home), plane tickets (when miles are not in the picture), and other random (non-regular) knick knacks (hence my doubt of whether I would be able to spend the 15k extra for the starwood 15k bonus).

4. I've spoken to a few friends at the firm and it seems like there is a strict corporate card policy.

Hopefully this will paint a more complete picture. I've read some good press on the PenFed card. Any particular input on this?