We have AA and Capital One and have switched almost entirely to Capital One.


AA may have changed recently, but historically they charged a surcharge on overseas purchases, regardless of currency. AA also only works for AA. Capital One provides generic miles which can be used for any travel expenses. You book your travel and then use the Capital One "miles" to pay for it at a rate of one cent per travel mile, whether it be air, hotel, rental car, or time share maintenance. You don't need to worry about available award miles from the airline.