Hi everyone! Been reading MP discussions for a few days now and think this is great! I am soliciting advice on getting into the mileage offers through CCs, and after reading some threads, I'm trying to decide which ones are the best for me. First some background: I'm not by any means wealthy. I work full time in scientific research while trying to finish a Master's degree. My wife is in the journalism industry, which also contributes to our not being wealthy. With that said, CC offers that have bonuses after spending somthing like $10K in 6 months are out of the question for us. We just don't have or spend that kind of money. I have traveled quite a bit. When I was a kid. I was lucky enough to travel the world with my family because of my Dad's business. Over the last few years I've traveled a few times a year for personal and business (U.S. destinations) which has racked me up a bunch of "useless" SkyMiles (home airport is SLC). I'm not in a position to travel frequently in the forseeable future, so getting Elite status on airlines isn't a priority. However, in addition to a couple to few US trips a year - every 2-3 years or so, I'd like to be able to take a longer overseas trip with my wife via award travel. Desired destinations include Helsinki, Capetown, Singapore among others. Went back to Auckland last May and thoroughly loved it (not award travel - hence newbie). So the questions: If I sign up for CC offer and get 100K miles for example on the recent Chase BA offer, is there a mileage expiration? For example, if I get the card now, can I still use the miles 2-3 years from now? I imagine this varies by alliance or airline, but does anyone know? Are there usually any penalties for canceling a card immediately after getting the bonus miles? What is the best hotel loyalty program to use if most of my travel is infrequent US based trips with a "big" trip every couple of years? I rarely spend big bucks on top hotels, although I have been able to in the last few years through business travel. I am willing to go fancy if I can use awards for it. It seems like the Chase PC Visa is a good idea, but it seems like most everyone on here loves using the SPG Amex card. Maybe it is better for frequent business travelers in larger cities? Thanks in advance for advice. Ready, go!