- Centurion Member
- Posts: 3963
- 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.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May