I'll add to the general consensus.
The AOD FCU Signature Visa is an awesome all-purpose card.
No annual fee.
No foreign transaction fee.
No balance transfer fee.
Cash Advance Fee 1% (Min $5; Max $25).
Late Fee capped at $25.
As low as 7.49% fixed APR.
Cash Advance APR same as purchase APR.
Pays 3% cash-back Rewards:
- uncategorized
- uncapped
- with no minimum redemption
- automatically applied to statement credit monthly
Credit lines from $5K (min) up to $25K (max)
25-day minimum grace period (longer than many cards)
Friendly and helpful Customer Service from small lender
With my current cards and my spend patterns, I would have to go with whatever would yield me the most cash back, I would have to go with probably BCP, with Savor in 2nd place.
My second nominee ...
If you can roll over a sizeable IRA or assets to invest in Merrill Lynch at Bank of America so that you qualify for the "Platinum Honors" level of their Preferred Rewards Program (*$100K minimum in banking and/or investments) ...
The Premium Rewards Visa card
With the 75% boost on earnings for Platinum Honors,
it pays CA$H rewards of:
2.625% on any purchase, no caps (1.5% x 1.75)
3.50% on Dining and Travel, no caps (2.0% x 1.75)
$95 AF ... but they actually PAY you to carry it after the credits
- TSA Global Entry credit $100/4 years ($25/yr value)
- Annual $100 airline incidental credit
No Foreign Transaction Fees
$500 SUB (50,000 points)
Visa Signature benefits:
- Travel (Trip delay-cancellation-interruption, Baggage delay or loss, Travel Emergency Assistance)
- Purchase protection, return protection, warranty protection.
- Roadside Assistance Dispatch.
- Rental Car CDW coverage.