- Centurion Member
- Posts: 3630
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Keep in mind that many of those cards come with signup bonuses that will cover 3 to 5 years' worth of annual fees. That does a lot to reduce the real cost of the AF if the card is held for, say, a decade. Many of the AF cards can also be downgraded to non-AF versions.
Also, many no-AF cards that advertise no FTF 'incidentally' also still lack a chip, making them extremely inconvenient for use in many countries. For a card that can really be used internationally with a chip and without fees, getting an AF travel card is sometimes required. PenFed may be one of the few exceptions.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when