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,

...but I still am...

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.