I've seen some posts about this card. I like the fact that it has a potentially low 6.9& apr and is chip and pin with no foreign transaction fee. I'm gardening for now, but may consider this at some point in the future. For those who have this card, what is your experience with it and SDFCU as a whole? Is this a card that you'd recommend? How is the rewards program? If there's a similar, but better choice out there, what would you recommend? Thanks in advance.