No. of Recommendations: 0
Hey, Scott!

Since you're charging a lot, and paying your bill in full every month, you should certainly take advantage of any perks available.

You mention what your current interest rate is, but in truth, it really doesn't matter as you don't carry a balance.

There are many worthwhile perks available, and you should investigate which ones would best suit your needs. While you say you would be giving up the convenience with your credit union, why couldn't you have the same arrangement with whatever card you are using?

As far as the frequent flier miles, I can only say what works for me. I use the American AAdvantage Visa through Citibank. I've had this card for years, and have been very happy with it. I've been able to attain many free trips with it, and it's certainly been worth the annual fee of $50.

As far as being "stuck" with one airline, I have never had a problem with this. Most major airlines are fairly comparable in price. However, my feeling is, with a card like this, so what if you're "stuck" with American, as the ticket is free. So it only matters that they fly where you want to go. : )

Just my thoughts,

Tony
...but I still am...

Off2Aruba
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