I agree with Stefan's comments above, with one addition--with the BankOne SW Visa card, you must spend $1200 to equal 1 SW credit, opposed to $1,250 on Amex. You mention using your cc on everyday purchases--I have both cards, using Amex Green Rewards to purchase groceries, postage, drugstore items (double MR points) and the Visa at supermarkets that don't take Amex. I then top off my Southwest account as necessary with MR before the end of the 12-month cycle.