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- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I would get the Fidelity Amex with 2% straight cash back and no annual fee. They also offer a Visa, but it pays 1.5% for the first $15k and then 2% thereafter. I have both and use the Visa as a backup to the Amex for the few instances when it's not accepted. The rewards are paid into the same cash management/checking account at Fidelity. I can manage both accounts from the same FIA Card Services web site and monitor them from the Fidelity site so it cuts down on the hassle of two cards. [Right now, though, I'm using Freedom for groceries (5% this quarter) and Discover for restaurants (5% this quarter).] Note that Fidelity Amex is not a true Amex card, so you don't get Amex travel services with it.
I also have Sapphire. I think you only get the 2% on travel if you book through Chase/Sapphire, if I'm not mistaken. That's probably not a deal if their prices are higher than what you'd pay at hotels.com, etc.
Since your company is reimbursing travel expenses, I would expect that they would reimburse the foreign transaction fee, so CapOne's no-fee policy wouldn't benefit you except for your personal international spending.
Last edited by jeffysdad
on Fri Oct 29, 2010 8:54 am, edited 2 times in total.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.