I like many others am looking for a Schwab replacement card. I have the SPG for my everyday card, Amex Plat and used to have Schwab for a non Amex card. We do a lot of shopping on Amazon and their card is effectively 3% back there, 2% on gas, drugs and restaurants and 1% everywhere else. To me I think it makes sense to get this card but after a post today by Gary on his blog, I'm thinking about the sapphire card. I unfortunately cannot comprehend how their program works. Can somebody break it down for me? Thoughts on the sapphire vs amazon? Lastly, I have an old slate card with a decent limit. Will Chase allow me to open a new account without a credit pull and basically transfer all info to a new card? I know they will reallocate if requested but what about a "transfer"?