<<What is the best visa MC charge card that I can pay in the middle of my billing cylcle?>>

There is no meaningful answer to this question. It depends on the type of rewards you want to earn. Most airline and hotel programs have a linked credit card. Most airlines offer awards not only on their own flights, but also on partners (e.g. United miles can be redeemed on any Star Alliance carrier, American miles on any OneWorld carrier, Continental miles on any Skyteam carrier).

We use Diners Club Mastercard as our business card because the points can be transferred to a couple dozen different airlines. However, inasmuch as you have a banking relationship with Chase you might look there first. Chase issues cards that earn miles or points with these travel partners: British Airways, Continental Airlines, Marriott, Intercontinental Hotel Group (Holiday Inn) Priority Club, Southwest Airlines or United Airlines.

dennis