to the folks in the US- I have Bank of America Visa card that I have been using for ages but it doesnt offer any benefit except online bill pay. I am want to switch to a new credit that offers me additional benefits like- cash back on purchases, fraud protection, earning airlines miles etc.. I want to maximize my gains yet pay no annual membership fees. Can you guys suggest any names from your personal experience.. I have American EXpress and Capital One-Visa stand out..