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Originally Posted by The Ghost
But none of it matters if you don't take advantage of the rewards. I have about 200k points sitting on my AMEX that I haven't used. It seems like a hassle sometimes to use them. I don't like the 'well you can use them only during this time or under these conditions' b.s.
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In US- I would recommend Starwood Amex. SPG (Starwood preferred guest) runs an excellent program.
Canada's is MBNA Starwood MasterCard.
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If you get credit cards and have a charge card and not for biz, and don't really need it, close it..
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And the debt to credit ratio? It can be harmful to close old credit accounts.