Hi, I am sort of new to the forum (I used to be a member 2 years ago).

I have a marketing question for all of you in the forum. If you were able to design your own credit card (i.e. the program associated with it, be it miles, cashback, points) what would it be? What would be the ultimate offering that would make you switch to this new card (within reason of course). I understand that they are many variations, and many reasons why you like a program versus another; but I am curious what you guys think would be an offer that would make you think twice about which card to use in your wallet at the time of purchase.

I, for instance, use my Starwood Amex for everything, and the only thing that would make me switch is if a CC would offer four seasons hotel points.

I am just wondering what people's ideal CC is. Thanks