Q. We travel to Asia periodically, specifically Hong Kong to visit family. I am writing for advice on options to accumulate airfare points/miles. Any specific credit cards or airline companies you recommend using to get more miles for our travel? And is there one that I can utilize for hotel and airfare?

A. You might want to look into the Starwood American Express Card. Yes, you can use your points for both flights and hotels, and you get a 25% bonus when you transfer points to an airline (you need to transfer 20,000 point increments and you get 25,000 airline miles). Plus, there's no annual fee for the first year.