The only limitation we saw in the Starpoints vs Gold AMEX card was the paying schedule. Unfortunatly, this was an issue for us. You were not allowed to change cycle dates (ie if your card is due on the 16th of the month it can not be change to the 2nd,etc). Also you have 20 days to pay your bill vs the 30-31 days with AMEX GOLD/Platinum cards.

I know you are paying $100-300 for the convience.. but it is a good one. If you pay the Starwood card late, you get interest charges... Hmmm but I wonder if the interest would add up to $100-300 ???

Anyone have any input on how the Optima Cards are with paying??