I think that is 1.0% plus a 50% yearly bonus!
I have the Siggy Card and I like the fact that it does state on the credit report that it is a "Flexible Spending Account.'
I think there is a conceirge service with it, or that might be my PNC Siggy or the Amex, I can't keep them all straight. I have never used any of the extra benefits personally so I can't claim to how nice they are. I did read the Visa site about the hotel upgrades and that does seem a bit nice. However, I would probably only use that for my honeymoon! My Amex doesn't report as a FSA, not the real Amex anyway, the FNBO with a lower limit does though!
What you get in regards to being upgraded by Capone to that account is much better customer service, night and day in my opinion. I have two other Capone cards, their lower tier cards and I get the regular CSRs when I talk to a person about those accounts. It is much nicer service, which they actually even told me it would be. Trust me, if only for the customer service, press for it to be PC'd to the Siggy Card, even if you have to go through the EO to do so!
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
