To heck with the mileage! CITI just sent me the 4-point type "Important Change in Terms" on my business AA Mastercard, and upped the ripoff rate. No dice, guys. ALL my charges in Canada (which are significant) and all my vacation charges go to the UA First Card Visa, which allegedly hasn't done this. 3% is just a solid, undeniable ripoff. Shame on Citi, but shame on us if we keep using them out of the country. I'm voting my money.