These are the two most popular general credit card reward programs. They allow you to transfer points directly to many airline and hotel programs of your choice, as well as redeem them for gift cards. They are very popular with frequent and not-so-frequent flyers. The appeal is flexibility and versatility, since with those programs you are not tied to one particular airline alliance or a hotel chain, and you can use them on whatever partner you want when the need arises. Read more
