At least 4 important items have not been brought up yet.
1. Any of these afinity cards not AMEX/Diners? i.e. Visa/MC?
2. Conversion of non-affinity group Dollar/Euro charges (or some standard unit) to Airline Miles.
3. Airlines accepting transfers (LH is not on the Starwood transfer list of 20 or so airlines).
4. Max charge miles per year.
jer