It really depends on what you're looking for in terms of membership rewards. My feeling nowadays is that the only thing I'm really interested in is cash. Also Visa/Mastercard seem to be more readily accepted at smaller merchants. I've never had bad dealings with Citibank to date and their customer service has been reasonable. I just opened a Chase account so I don't have much experience with them but their stockback card fits my needs: no annual fee, 1% on everything and higher percentage at certain stores.
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