I had an MBNA Travel Rewards Visa for a few years until they altered the program considerably last December. The program was outstanding and the folks in their Travel Department were great. I think they actually contract with an agency out of Boise becuase that is always where my travel documents came from. I've had several free flights, hotel stays, and a week at Disney World.

The primary reason that I cancelled is because they raised the mileage limits on all of their air, hotel, and car rental awards. They also lowered the maximum amount that they spend on free tickets. For example, it now requires 25K miles for a free airline ticket in the lower 48. They also cap the dollar amount of the ticket to $400. If the ticket cost more than $400, you pay the difference. The same occured with their hotel stays. It requires 5,000 points for a free night up to a maximum of $80 per night.

I would love to find another program that permits the flexibility of traveling on any airline. Until I find one, I'm sticking with my Starwood AmEx and Amtrak MBNA cards.