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Otto,
Do you typically still get acess to the Exec lounge even though you have opted out of it for the extra 1000 points or do you change back to that when you are out on the road on trips and only pick up the extra 1000 when in CMH?
 
Opting out of the goodie bag is at selected Hilton (and branded) properties. Couldn't tell you which ones. It's never kept me out of Exec Lounge.
 
I vote for the citibank U-Promise Visa also. Gotta stuff all the money I can find into those 529's. I used to rack up airline miles by the metric sh!tload but never used them. Still trying to sell 80k united points. FF is in the tank with all of these 100% loadfactors. I've got enough hotel points in all of the chains. Never had a hotel visa card and still keep accruing more points than I use. The only bad thing about the U-promise is it caps at $300 per year.
 

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