I'm getting confused. My Quantum card has no annual fee and they told me it still has the same reward structure as the NEA Platinum card had. Are we talking about 2 different cards, because if we aren't I'm going to make them switch me back to the NEA Platinum seeing I didn't ask them for the new card.

I actually have 3 NEA accounts and the 2 that I never use were changed to the Quantum card, and the one I use all the time was not changed.

I just called MBNA and they assured me there is not a fee and that the same point structure still applies. They said that the Quantum card is always free, but the underlying point program (and they have many) is what you pay the fee for.

I just called them again. They said neither mastercard nor MBNA mark up the exchange rate at all (of course, I won't know for sure till I use them in London next month and see what I get charged vs the interbank rate).

Also, I'm looking at the cards now and they definately say NEA and Quantum on them.

[This message has been edited by scrog (edited 10-07-2001).]