A good alternate card if you don't want an amex card is the HILTON HONORS VISA CARD it is a visa signature card with no preset spending limit, it is the highest grade of visa card, 0%apr, and it also gives you points for dollars. If you don't want to see Hawaii, you can do what I did, I saved up my points as I do and took a 7 day cruise with my wife, all paid for with points, it only takes 330,000 points, well worth it, but that is my 2 cents enjoy