So we have had, and loved, for several years now, the Chase Sapphire Preferred credit card. With our commitment to travel, a card that gave double points for all travel related expenses and all dining expenses, had no foreign transaction fee, offered great reward bonuses and gave a 25% discount on travel booked with point through the site, and was accepted everywhere on the planet just made sense for us. The cost for these features was just under a hundred bucks per year…and was, in my opinion, well worth it. Not to mention their INCREDIBLE customer service. I’m not kidding (nor have I ever experienced customer service like theirs in any field), I literally smile and joke with them the whole time I am on the phone. It’s always a human being and it’s always a truly pleasurable experience.