CarefulBuilder14 wrote:I know a non-member can buy something at Sam's Club and pay a 10% surcharge. I did that to use an Amex offer. Can a non-member also get the credit card?
If you need a paid membership, then it would be more accurate to say the card has no additional AF, rather than saying there's no AF in the first place.
As an Executive Costco member, I totally get the value of a membership if you shop at a warehouse club regularly.
As far as the rewards, it looks like a decent replacement for CSP for your spending. On any fraud issues, though, I'd rather deal with Chase than Synchrony. Travel and dining expose your card info to a lot of people, some of whom will be unscrupulous.
No additional AF is more accurate. I was speaking for myself, I've been a Sam's member for >12 years now. I agree becoming a member simply to get this card would change the equation.
I have also gotten spoiled by dealing with Chase. To be honest, Citi has gotten better but I might still put them on par with Synchrony...