Thanks for the great suggestions. I already have an Ink Bold and a Sapphire card, although not the Ink Plus. Not sure if I can have both. Wife has none of these cards, so I kind of like the idea of her getting the Sapphire card and getting 40k in UR points. Certaintly worth $200 to us. Thanks much.

Problem with AMEX is I can't transfer to UA or US, which are really the only two airlines of use to us.