Thanks for the update.
Actually, I did sign up for the Choice card, but it was a little strange too. When they asked me what limit I wanted, I said $15K and they gave me $35K, which is far more than I'll ever use.
The strange thing was that I signed up for a checking and savings account to become a member, and made them joint with DW. No, the checking account was fine but in order to have a joint credit card, both parties must be "primary members." So DW had to open her own savings account and be a primary member as well. Once she did that, they said everything was fine and it proceeded normally. No problem with both of us being joint owners on both savings accounts, but we each have to be primary on one of them in order to have a joint credit card. Strange, but OK.
I'm looking forward to using it as a true chip & PIN on our next trip.