No annual fee. No reward points though, but it does report to US credit companies so thats good. Such a relief that it worked out. When i finally met someone at college who liked tool, the first thing he asked me was which album i liked better. I told him i couldnt decide, and he was shocked that i wasn disappointed with lateralus. I guess if i had waited 5 years for aenima part 2, i might have felt that way too, but having listened to them both for the first time within days of each other, i guess i hadn had time to “define” tool in my mind the way he had.

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