as a pro in the CC bonus and reward game and w/o knowing your financial status do this: you need the Amex Blue Preferred. You and your wife or other person (you said "we") apply for this. It has a 250. cash back rebate that you can use on your CC bill as a cash credit! But you must apply thru this site-- "card match" on creditcards.com
. After entering some info and if you have better credit, you'll get that offer.But only from them. the offer for the general public is 150. You spend 1k in 3 months and you got it. PLUS very important-- you get 6%back on anything you buy in the grocery. But it's capped at 6k per year and has a 75.00 fee. Thats why you need 2 cards. ..So 6k x 6%+ 360 per year -75fee =285.00 per card of fee food per year. next you need the Penfed Platinum cash rewards card. 5% back on gas credited to your statement each month. This is a must have. Let me know what happens. This is just for starters. BTW, you can join the Penfed Credit Union very easily. Check the site.