I'm glad Hilton decided to make a Visa w/ no annual fee.

The problem is the redemption/dollar earned on the card is terrible.

Someone is much better off with a frequent flier or other rewards card.

Case in point: MBNA is coming up with a Cruise Card that gives you 2% back on cruises (Carnival Cruises cancelled their affiliation with MBNA, where they were offering 4% back. Carnival says it's coming out with a new card that is "even better" than the old. I'll wait & see!).