I'd look at a good Cashback card. The Citi DoubleCash card is my primary Mastercard. Amex is my primary points earning system and currently I have enough points for the trip I intend to take next year so if I'm making a purchase that would only earn me 1 MR I use the Citi DoubleCash card. I like the combo of points & cash back to give me options in earnings. Citi also has good purchase protection including the 90 day return policy which has saved me a bunch over the past two years.