What are the best bonuses right now for opening a visa/mastercard? I currently only have Amex and Discover, but often run into merchants that don't accept either. The "best" reward I see is with BankAmericard giving $100 back for spending $500 in 3 months, but I'm told that I should look for a better deal.
Also, between Visa and MasterCard, is there any advantage in having one over the other?
Are there particular times of the year when there are more bonus offers around? I'm looking for a good sustainable rewards card with no annual fee that I can keep using for a few years. It won't be my primary card, so I'm not in a huge rush to get one if there aren't any decent bonus offers. However, it does get annoying having to pay cash at places that don't accept my current cards right now.
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