Moderator, El Al and Marriott Bonvoy, FlyerTalk Evangelist
Join Date: Feb 2005
Location: SIN
Programs: SQ PPS, Mar LTT, Hyatt LTG, AA LTG, LY, HH, IC, BA, DL, UA SLV
Posts: 12,155
Welcome to Flyertalk.
Nobody here will be able to answer your questions without much much more information. Some of the information that should be taken into account is:
1) Where do you live?
2) What airlines do you normally fly?
3) Do you stay at hotels often? What chains?
4) Do you spend hundreds a month and carry a balance or tens of thousands a month and pay it off every month?
With this information in hand you will be able to start to look through the specific forums for the airline of your choice, hotel chain of your choice, and the credit cards to see if there is some program out there that matches your needs.