Yeah, the 5% is the AAA MBNA card, when I sent in their preapproved offer, they called me and started to ask me about every dollar I earned and spent, I said, you either give me the card or give me the rejection letter, I dont need anymore credit and all I did is just answered the preapproved application. They said ok, I got rejection and just recieved my free credit report for it, hot deal. Guess what? I recieved another application exactly like the first one.
On another note, I used to have MBNA card for a 2 years, one of those fixed rate deals, and never used it, so I called to cancel, and it took about an hour on hold before I got to live person to cancel my card. They might have improved now. By the way, citibank also allows to generate random numbers, but Amex is the best with online dispute resolution and BVG, excellent service, never more than a minute on hold even in the middle of the night.