best bank and cash-back credit card in US

After much research and varied experiences I will recommened Fidelity Smart Cash as my choice for the checking account and Fidelity FIA Visa Signature for the credit card.

Fideliy SmartCash has following benefits
* free bill pay, ACH and no minimum balance
* free ATM access from ANY ATM in the world (with a VISA, STAR or PLUS logo). All ATM charges are reimbursed same day
* free checks and deposit slips for life.
* very good interest rates on the cash in this account (currently about 3.5% APY)
* you can also maintain your brokerage, 401k, IRA, 529 etc with fidelity at very good rates so they are a one stop shop for all your US money
* very good phone customer support when you need it

Fidelity FIA Visa Signature card is useful as
* they give 1.5% cash back (deposited to your retirement or brokerage account automatically) on ALL your transactions.
* all benefits of Visa Signature and free cards for additional members

Please remember:
* visa will charge you 1% for any inter-currency transaction (e.g. when you are in India and are withdrawing dollars from your US account). this is true everytime you do an inter-currency transaction (even if its a wire transaction or anything else) - most banks just hide this information in their exchange rates. Fidelity just makes that information public.