She has a MC with no rewards from WaMu that she'll use as a backup. She's working her way back from bad credit, which is why she had no rewards cards before (mostly used debit card). She got approved instantly for the Hilton Amex so that's good news. Once we see what her spending pattern is like, we'll figure out what the best secondary card is. At this point I'm thinking Chase Freedom since we don't know where here non-Amex spending will be concentrated.