I am looking for thoughts on this card and haven't seen it discussed here (FT thread is only 11 pages). I have looked into it before I was doing MS and didn't see a good use for it with limited acceptance of JCB. However it could be good for AP and maybe a few other non-bonuses MS opportunities, might be able to take your 2% up to 3% for $25 a year. Thoughts? Experiences? I know this is geographically restricted to CA, NV, OR, WA and they tend to have low limits and no online acct management (Bad for MS).