Thanks Altoid.
I hear ya - that does make sense (just didn't want "too many" credit cards to handle - don't really know what "too many" is - so I went with 3-4 based on various blogs)

The discover card I have does have the 5% quarterly categories, so I guess I don't really need another one for that.
No Forex is good to have, but not a must have (worst case, I can just convert some cash, or use traveler's check)

What card would you recommend for day to day domestic use? (anything better than the capital one that gives 1.5% on everything?)