Are you using it for anything in particular (hotels, airlines, general spending)? For personal use, I like the Chase Freedom card where it gives you 3% back on your top 5 shopping categories and 1% on everything else. Besides that, they also have a rotating 5% quarterly promotion that you have to sign up for. Depending on the season, it could be 5% back for hotels, gas, groceries, etc. Cashback on this seems to be best at least from what I can tell. 100 points = $1. There is no annual fee for this card and I have seen a signup bonus as high as $300 before. It's currently $100 signup bonus now.