I have the best credit card offer ever!

This is a citi card thank you point, which has very minor disadvantages like you have written about a few times, but check this out (if you are not biased to starwood you will agree-anyways you can have both cards for each’s advantages)
Card: Citi card premier card
Annual fee: $75 (you can get it free but with less benefits)
Advantages:
1 point per $1 spent
1 point per mile flown that you or anyone flies on any airline (fly LAX to NY get 6000 points!!!)
2 points per dollar in supermakets gas, and traveling
Unlimited Companion tickets, free in U.S. whenever any round trip ticket you buy is more than $299.99!!!!!!

The max of points you can get a year is 200,000, with 100,000 being travel points.

So if you have even a 1 person family and fly in the US 5 times a year, you will make easily $500 and up a year!!!

The card is mastercard, but they have it together with American Express also!