Spencer,

Wise2u has made a very good point, if you want you can get continental credit card and also get chase checking acct and continental debit card netting another 25000.

If both continental and united merge their accounts they will all be in united.

So you won't have to rent 20 times as I said before to make up for difference

Also as guv pointed right now there is very good offer for starwood card for 30000 points( 1st year free then 45$ ) , many airline programs you can transfer in 1:1 ratio.

Please see that , First look for opportunity to achieve ur target . 2 rt business to europe ( Continental credit card( 30000 miles), Chase checking with continental debit card( 25000 miles). if they merge into one accounts in time good or Hertz car rental option won't be bad if it works for you. PLUS if you have not applied for credit card for some time then don't miss starwood credit card offer.

This is first time they have given 30000 points for that in so many years.