reks,
Welcome to Flyertalk.
Personally I am a fan of the AMEX Starwood card.
I would recommend carrying the Hilton HHonors Visa @ no annual fee for stays at Hilton branded properties and for merchants that don't take AMEX.
I would use the SPG AMEX everywhere else because you can transfer points earned on the card to practically any airline program ($30/yr. & first year free).
You might try posting and searching in the appropriate forum such to get a wealth of additional information here on Flyertalk.
Again, welcome.