what benefits of "Visa Signature" do you need? travel protection?

Spark cash has annual fee (waived first year) - do you plan to keep it after 1 year?

Visa fx rate might not be the best you can get - you might want to use a variety of cards with no FTF

(older thread talking about it)
http://www.flyertalk.com/forum/credi...than-visa.html

you can see the rate that visa gives (the rate charged by your bank/credit card might be slightly different than this rate)

http://usa.visa.com/personal/card-be...calculator.jsp

https://www.mastercard.com/global/currencyconversion/