Sorry for adding to this 113 page thread. But why not penfed? I admit I have not read all 113 pages but have searched/glanced enough to know it was a contender with NO fees whatsoever. Schwab does charge the basic 1% right?

Penfed appears to have larger CLs, "no fees" (unless I'm dreaming) and 1% cash back right?

Trying to find an alternative to Scwab, actually to FIA.