优选标准:! S8 }% f1 @: _5 x2 K
1、消费返点,例如:0.5% or 1% or 2% and so on.' K D. T3 g) [2 w' R
2、免年费,超期利率等basic conditions.! W: F7 a! a! l
3、信用额度credit limit, 贷款优惠等。3 y$ r0 y% K$ \: X: D
MBNA Smart Cash: 8 Q6 t8 }4 [9 H3 N/ U& o ) L$ A. E% D R0 L. y5% on gas and grocery for the first 6 months (3% after that); [9 X9 P; m' N( q' t- A( E- {1% on any other purchases.