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#22
Old 03-04-2013, 09:03 AM
ChuckMiles ChuckMiles is offline
L3: Novice
  • Apr 2012
  • 194
  • 37 ChuckMiles is finding his bearings
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Quote from Bagira View Post :
The banker at Chase told me it is redeemable for $400.

W/flights, hotels and gift cards it is more than that Smilie

No foreign transaction fees - important to me.

Up to 7% cash back, I don't remember the details though.

Cancel or just threaten to cancel after the first year to avoid $95 annual fee.
They either waive it or you cancel the card. Your credit report score will take a small hit once you cancel the CC, but it will go away in a month or two.
A hard inquiry on your credit report lasts two years.