Thank you for the response mia. Currently I have an HH amex... racked up 2 million hotel points with Hilton in short order. That gives me alot of vacation options. Now I am deciding the next move to rack up the airline miles to give me that side of things.

It appears that the multi-card option is the best for raw points, however I think the ease of administering the whole thing may take first place for me. so I guess it boils down to making sure there is no mileage earnings cap annually. I would at least be guarranteed 360,000 miles or so in a year...

Thanks for the help!!