Last September I jumped into acquiring credit cards for sign-up bonuses with little to no plan. I wanted some free air for my spend and card use to cover some domestic family trips. Since better educating myself I know now I should refocus to ensure I'm taking full advantage and better prepared for future use of what I have stocked up and for the next churn. I never thought in terms of alliances, stocking for one hotel group or things like status or upgrades. I'm hoping to change that and wonder if I could please get some critique of my plan moving forward vs the items I'm holding. Some details: Home airport: BWI. / Current score: 764 / I pay to fly (normally) only three times a year, all domestic, normally short haul. Goals: A future (more than 18 mos from now) TBD int'l vacation and nearer future quarterly domestic jumps to common points (NOLA, MIA, LA, Chicago), prob three in the next year. Cards Holding (Acquired Date): Chase Southwest (10/11), Sapphire Preferred (2/11) & Chase Ink Bold (4/11) Citibank AA (11/11) & Hilton (4/11) Barclay USAir (4/11) AMEX Hilton (4/11) - basic, not Suprass Points I'm Holding: Bank: Ultimate Rewards combined @ 145k Air: Southwest @ 13k, AA @ 9k & USAir @ 64k [I've used SWA and AA points for domestic trips] Hotel: Hilton @ 95k (from cards), Radisson @ 67k (from Big Night) & Wyndham @ 28k (from Daily Getaways) In order to start following the one hotel and one air group at this point I think UR is my best friend for air and Hilton is where I'm stocking up the most hotel. At the same time though this is my question - anyone see an opportunity I'm missing? In my next turn I'm thinking of doing this to better focus on growing air and hotel, and diversify by bank: -Chase Brit Air (through booking offer, not spend) 50k now, 50k on Anniversary (perhaps use UR points to stock this account for int'l travel). In order for the 30k companion pass to work I would have to focus ONLY on this card. Tough for me to do. -AMEX SPG (just because I was going to include an AMEX in this next churn) Should I be thinking of a different AMEX, -Bank of America Virgin (to convert to Hilton points) Sorry for the novel, just trying to give it all to see if I'm making obvious errors here. Much appreciated any feedback! I'm grateful!