If you find you can use an Amex, I think the SPG Amex is pretty much the best value out there. 1 SPG point per dollar spent, and great value per point using their cash and points feature to book hotel nights.
Can also transfer to Aeroplan/pretty much every other frequent flier program at a rate of 1:1, or get 25,000 FF miles for 20,000 SPG points.
Comes with a $120 annual fee, but if you wait for a promo you should be able to get that waived for the first year.
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