there was a thread about this a long time ago.
i use the bank1 card for large purchases b/c 0% apr and cash back, which is perfect.
the AAA card is what i use for gas. some people don't like to have a separate gas card, but i like it. i like the convenience of seeing how much is going out for the car every month. i'm not a AAA member. i just have the cc.
i don't actually remember my application process too closely. it wasn't anything out of the ordinary though. i had cancelled my college mnba card before b/c it had no benefits, but it wasn't a problem doing so.
as for mbna, they're the #2 credit card issuer in the us. they do everything, and you can check out what i mean on their website. if you ever were offered a tshirt at college or a baseball game, it was most likely mbna.
in any case, i don't necessarily love mbna, but thats because i think all cc issuers are sheisty b****rds. they'll all screw me equally, so i'll take what i can get. Anyways, like someone said previously, get the AAA card to save 5% on gas. it works great, and saves me a couple dollars a week.