Thanks for the advise but I still have some questions....

Why the TY points when they are 1:$1? If it is merchandise or cash you would want then it's a better deal with Fidelity Cash Rewards or AMEX Blue Cash as they pay 1 1/2% cash. The merchandise exchange rate for points looks like it is 1% or less. And the cash back cards have NO limit.

If it is 3 pts per $1 then the Chase Business card gives 3% cash back on Restaurants, Gas, Office Supplies, and Home Improvements.

Even Starwood Amex seems better for airline tickets as they give you the 25% bonus.

If it is Airline Club membership with the Merrill+ you want then the cash back cards still beat it as Merrill+ is a 1:$1 in points and the merchandise and cash exchange rate seems to be at 1% or less. That extra 1/2% would pay for the club access at over $50,000 spend.

I understand that the Citi PP Elite is great BUT that is if you fly alot and can match up the miles with the spend. But I don't fly.

Even if I could get Chairman card why is it better.

Please advise?