While not addressing your questions, I am in a similar situation as you. I have a ton of Radisson points that I will need to use over the next many years (I was hoarding for way too long). However, my biggest complaint about Choice Rewards is the inability to book a reward night more than 100 days in advance. That has always been a deal-breaker for me with Choice. I am going to hold off on the co-branded credit card until we see how Choice is going to "enhance" its program (I believe later this year).