Yes, I suspect that may be a problem finding competitive rates. Yes clickrewards transfer to Starwood as well as many other FF and hotel programs, great for "topping off" accounts. I have not done a lot with them, but they seem to be one of the most respected reward type companies on this board.

Re the $.02 cost for the miles, I wonder how the IRS treats the miles. If you would not have to pay income taxes on the reward, it could cost 30-50% less in after tax $.

Also re: the CD you may want to check www.bankrate.com for rates to compare against.

[This message has been edited by The Mile Dog (edited 09-14-2000).]