The Sheraton AMEX. even at $30 gives the most flexibility and minimal cost. You will be surprised how much more you will charge, once you get a card that gives you miles. I was looking at my cancelled checks for the past 20 years, and it's amazing how many fewer checks I have since getting Affinity credit cards - and since I pay online now, amazingly few. But the biggest change is discovering how many ways you can charge instead of writing a check. So, you might be surprised that it will be more that 10K a year. There are many places that don't take AMEX, so a MC is a good choice, but it is deciding who is your carrier of choice out of the city where you live and where you want to go. There are sign up bonuses that vary so you want to find the best one.

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DtG