A few things:

1) I actually applied for the Fleet card a couple of months ago when I was doing credit card shopping. It came and it seems that they've changed their terms since the beginning of the year. Now, it is only an up to 1% card if you do not carry a balance. So nix that idea.

2) You also want to investigate the Citgo Preferred Visa:
http://www.citgo.com/CreditCash/CITG...ferredVISA.jsp

It offers a flat 1% off every statement, limited to $40/month. Very attractive as long as you aren't a big spender.

3) If you're just looking to maximize your return, Principal Bank offers a flat 1.25% card:
http://www.principal.com/bank/ccards_rewards.htm

The (big) catch there is you need to have another account with them.