Originally Posted by pinniped
... For small-timers like me, I'd say skip this step - I don't get enough non-Amex overflow to justify the fees, so ...
What do you mean with non-Amex overflow? Is that for places that don't take Amex? In that case I am much like you.
I pretty much charge everything to my Amex SPG Platinum card and there is no limit to the number of points I can get. There are not enough other charges to justify a fee based VISA/MC. I have a free one from MBNA with 0% balance trasnfer interest rate and offers MBNA's own Worldpoints. I haven't looked into how good those points are but they are building slowly since I don't use that card much.