[eastbay]

Good plan Kez. But this only works if you use your credit card frequently charging a fairly decent amount each year. For infrequent users like me ... like most.... who charge less than a few grand each year it may make more sense to simply pay off a free card each month. Receive nothing.... pay nothing.

We use another free card strictly for Costco... we charge more on it.... and pay it off each month.... and it pays us enough to get free annual executive membership.

We've received no ugly notices from either.