Thanks Ray. The problem with AMEX, is that they are not used by many merchants. I try to patronize local businesses, my hairstylist, the local hardware store, etc, and AMEX is not accepted.

And, I don’t have any balance transfers, because I don’t carry any balances.

I am going to check out Jupitor Bank though….Thanks so much! You guys are great.

Oh, one I thought was a good purchase….just got Worldpoints CC through Continental. It cost $85 annual fee, BUT, got 10K miles after one purchase. 85$ for 10K miles is a good deal…I needed about that much for an upcoming trip.