I am in a similar situation where I don't spend enough per year to justify the SPG AMEX Annual fee which is 30 bucks.

Someone who spends say 5-10,000 a year on a credit card doesn't earn enough to justify the annual fee he or she might pay on the credit card.

I think the OP would be best to go with the Citibank dividend reward card or maybe the Citibank ATT Universal Rewards Card to earn thank you points.

If the OP plans on doing any international travel I would suggest the Capital One No Hassle Cash card because there is no currency exchange fee.