I would take a look at the Chase Sapphire Preferred card. 50,000 UR points after $3,000 use in the first 3 months (I know you said you're a low volume spender, but if you can ramp up the spending for the first 3 months). No Foreign Transaction Fees for when you're overseas. A good variety of benefits (Travel, Purchase, Return Protections). The ability to transfer points 1:1 to Continental, BA, Marriott, and the IHG hotel lines. And the fact that the card itself is just so pretty.