In that case, stick with programs like Chase Ultimate Rewards, American Express Membership Rewards, and Citibank Thank You points (all of which are transferable to multiple airline and hotel partners), and the Barklaycard Arrival World Mastercard (which has points that reimburse you for anything they classify as travel expenses). You don't want to find yourself stuck with a large pile of airline ff miles or hotel points in programs that will never be useful to you.