优选标准: ; K" M1 g" o# E M' q1、消费返点,例如:0.5% or 1% or 2% and so on.( W, B& X/ c6 T# b2 ?* g8 M6 C% k
2、免年费,超期利率等basic conditions.( G) Z( W ^, J5 B# G/ j+ F
3、信用额度credit limit, 贷款优惠等。, l, N h4 @) Z5 h; f" E& M
MBNA Smart Cash: + `9 ?% v f2 O/ W8 W$ m- a1 ?4 Z. ~; h: Z: V( H0 V0 [
5% on gas and grocery for the first 6 months (3% after that); " |; B# Q: g& T' l3 s J1% on any other purchases.