DirtAddsHP wrote:okay so no answers.. im going to go with the privileges card.
i would go with the Privileges if those are your only two options and you have 50k in the bank.
if you just want one card with the best rewards, go with the Fidelity Amex for 2% or Fidelity Visa for 1.5%
if you don't mind having 3+ cards then i'd go with the AmEx Blue Cash Preferred (6% groceries), PenFed (5% gas) and Citi Forward (5% restaurants and entertainment). i believe the PenFed requires ~$20 one-time membership fee and Blue Cash has $75 annual fee, but those pay for themselves pretty quickly.