This one isn’t even close. It’s the Starwood American Express. So many people are loaded with airline miles, but are short on hotel points. The Starwood Cash + Points option is a great way to book hotels. For example, I find hotels in the $150 range and book them for $30 + 1,600 points. If you don’t have this card yet, email me and I’ll send you a referral link for the application.