As far as credit card points go, starwood points are the most valuable. This is the BEST offer they have ever had, it gets repeated about once every two years.
Sign up for this Credit Card – AT this LINK – Also THIS Link and get 10,000 points on the first purchase, then spend $5,000 to get another 20,000 points. ( one link is personal, the other business – you can get both, they are considered different products – Be sure to close your browser and clear cookies – be sure you see the 30,000 offer before completing the application)
The best points use – Hotel stays are REALLY nice hotels (on the beach in Florida, Cocoa at 4,000 points a night, and Siesta key at 10,000 points per night), also convert points for Airline miles or Gift cards.
If you have read The Frugal Factor, you know how to spend the $5,000 with out spending money!