That's a pretty decent overall writeup.

I love the quote under Skymiles minuses:

Program adjustments on what seems an annual basis.

That's my nominee for understatement of the year to date!

Didn't realize it was 15 years since the old BancOne credit card with NWA went away. I used to hold that. They went the same route as US Bank and set up their own rewards program. But you didn't get much unless you carried a balance, so I canned it.

David