It really depends on your travel patterns and preferred chains as well as which partners are available in your country. If you can make IB Avios work for you, 3,000 Avios for $100 or point equivalent seems a very good value. The IHG points are elite-qualifying (as are the Accor points in 2016) and are useful if you're going to be just shy of leveling up- hitting Spire with IHG triggers a bonus 25K elite gift. If you're planning a trip to Scandinavia, Choice has some useful options there at a good price in points compared to cash options. I don't know enough about the Virgins to say how well those work out.