Not sure how competitive they are on points, but I like my Bank of America Travel rewards card. One of only a handful of cards that offers no fee foreign transactions with no annual fee and a nice sign up bonus. Cashed in my rewards to fly out of our small regional airport using the credit card ticket service pretty painlessly. But the flight ended up getting cancelled with a full refund, which got refunded as cash instead of points which left me with a -1100 point balance or something like that. In effect, I was able to cash out points I didn't earn yet. Win, win, and almost a win if I didn't need to overcome that point deficit to earn points again.