OP, if you're looking for transferrable points currency and don't have the Chase ecosystem built up and AMEX has its acceptance issues, I would recommend Capital One Venture. For most part, it transfers at 2:1.5 (some at (2;1). It also is 2 miles for every 1 dollar and each mile is worth 1 cent for travel related purchases. This is for "every day" spending and not for dining (Chase CSR/Citi Prestige/AMEX Gold) or travel (non-airline) (Chase CSR/Citi Premiere?AMEX Green) or other "bonus categories".
Safe Travels