Right now I have a Citi AAdvantage MC for when I'm somewhere that doesn't take Amex. I use my SPG Amex for just about every purchase.

Since I don't really fly American, and am leaving the NY area (so hopefully will not need to fly AA much, if at all), I am trying to decide what Visa/MC to replace the AAdvantage card with. I was toying with the idea of the Chase UA debit card, but I can just imagine needing to use it somewhere that doesn't take Amex and having to spend more than happens to be in my checking account.

Which Visa/MC do you all recommend? It'd be pretty minimal spend (maybe $100-200/month) so I don't know if I really even need a reward card. Maybe my no-fee University of Illinois MC would be enough. Is there anything I"m overlooking?