优选标准:# a5 ~, t( I+ b6 b& k6 _- t; D
1、消费返点,例如:0.5% or 1% or 2% and so on. * E- k# {7 B, m) L2、免年费,超期利率等basic conditions.1 V/ [1 J" P' x- _) D; h. G
3、信用额度credit limit, 贷款优惠等。3 F+ B' m7 h5 f- F# z/ e. W# g
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MBNA Smart Cash: ( I% R! Y& n0 b8 r# b/ [. e+ C $ e2 Y, ]; Y6 \; O: j5% on gas and grocery for the first 6 months (3% after that); - s, F2 \/ B, j/ q6 A' w1% on any other purchases.