I'm getting ready for my 2nd-ever churn. My first got me started with some airline miles (SW and AA). I have even just finished the acquiring enough points for a SW Companion pass -- I've learned a lot in the last few months! I haven't wrapped my brain around the hotel rewards programs yet. I've seen some CC offers recently about HHonors. But, it seems as though those points really don't go far. SPG seems more 'valuable', but the locations are hit and miss. I have a family of 4. Our goal is not necessarily to stay in ritzy places, but we like to take a few in-state journeys each year and stay in moderately-priced hotels with a pool, free breakfast, wifi, etc -- like an Embassy Suites or an extended stay hotel. And, we'd like to take a week-long trip each year to a beach destination. If you were in my shoes, what direction would you take?