Also what do you want from the airline and hotel programs? What's more valuable to you? Upgrade? Free nights/flights? Cabin comfort? How many miles you fly and nights you stay per year? What class of cabin do you normally travel in?

All these are some basic questions you need to answer before someone can tell you what's "the best program for you." The more specifics you are about your travel patterns and goals, the better advices and suggestions FTers can give you.

Welcome to FT!

ETA:
"ff" is "frequent flyer" and FFP is "Frequent Flyer Program", such as Aeroplan. Check out the glossary under our Help Dropdown Menu at the top of every page to get yourself familiar with the lingo on FT.