Howdy --

I'm a complete newbie when it comes to the world of frequent flier points. I have an AMEX rewards account, and I really like their system so far (although I have yet to use it). I can spend 20k points and fly anywhere in the US with delta. I get 1 mile per dollar. I use my card for purchases for my job, so I'd like to find a different credit so I can seperate my expenses... Preferably a VISA so it will be accepted anywhere.

So here are my questions:

1) Can I put miles from different programs, into any central pool to spend? (ie: my rewards points, and my new program whatever it is)

2) Is there a place that sells flights/car rentals/etc than the airlines program?

3) What is the best deal going on right now? I would rather not pay a annual fee.

4) whats the best place for me to look to find this info?

Thanks!