Ummm, be careful with this. It may have a place under certain circumstances, but paying 2.49% plus $20 per transactions simply to earn miles is, well, idiotic. A $1,000 payment costs $45 in fees. There is no rewards card that can consistently return 4.5% and you'd need that to just break even for your fees! You're far better simply dropping $45 (or whatever the fee would be) in a savings account. At the end of the year, you can spend the cash on your "reward" travel.

Sorry...