<< I am happy with Citibank Dividend MC and 1st USA Cash Reward Visa. They are both straight 1% (Citibank cashs out every $100, 1st USA every $25), no fine print like AMEX or Farm Bureau or Discover (all 3 are UP TO x%, read the fine print). >>
FARM BUREAU IS NOT UP TO 2% it is 2% - read the details. It's up to you (not them) at what level you want to turn in your points at - starting at some miniscule level to 2%. Spend $35,000, get 35,000 ponts and turn them in for $700 - THAT'S 2%!!!!!!!!!!!!!!!!!!!!!!
The difference between this card and your cards is $350 at that level - do the math. PLUS, those 2 cards you carry can max out.
If you want to throw away the $350 fine. I think you should do more exhaustive research and read the details.
Mike