To be honest with you I have a capitol1 gold, 1.25 miles per dollar gold version. I get concierge service if I'm going into Manhattan and I need dinner reservations at Mickey Mantles I pick up the phone with the booklet I have, there's a number to call.
They also help get sporting events such as hockey, baseball, football, if you're coming to Manhattan for a convention and you need to take customers to a Broadway show, the concierge will help.
when redeeming your miles you have to have all. so let's say you have 20,000 miles. you can use this for a $200 trip. but if all you have is 10,000 you can't redeem for a 200 round trip, and you can't break it up. it's all or none if you know what I mean.
you can redeem for gift cards if you want to. You can use your miles on any airline. when it comes to upgrading hotel rooms there shouldn't be any problems.
another card would be the chase sapphire
it's very similar to the capitol1 venture card. I believe you get 2x the points. when redeeming you have to go through chase website.
for shopping the chase freedom
is a good card 1% back, they have a rotating category which you get 5% back in certain categories like movies, drug stores, home improvement, grocery stores, restaurants and gas stations.
The citi dividend
is a good card, Bank of America and Wells Fargo are very good cards.
Since you don't travel on business anymore I'm not going to recommend any airline cards or hotel cards those are more for people who travel on business. There's 1 card I see a lot of people are using, the Citibank American Airlines card
. I've seen people use it at BJ's, Bagel Boys, Walmart, LL Bean. but these people may or may not travel on business.