Thanks for the research Darla,

Do any of these programs offer to pay for hotels or auto rental? That's what I usually use my points for. One huge complaint I had with NEA was that I could book a hotel directly for $50 say, but when I would call NEA to book throught them with points they would tell me the rate was $179 instead of the $50 and would charge me extra points because of it. Incredibly, they would pay the hotel the $179 instead of the $50.