kdm31091 wrote:aj023 wrote:CarefulBuilder14 wrote:Good perks are pretty rare on no-AF cards. Amex cards have ShopRunner. Discover has great customer service.
I'm not sure if you mean Chase Sapphire or Chase Sapphire Preferred. Chase Sapphire (the no AF version) is nothing special. Only Chase Sapphire Preferred (with an AF) has perks like primary rental insurance.
Edit: One option might be to get a premium AF card from Amex, and then try to get a retention offer of a statement credit in the amount of the annual fee. The trade-off is that it takes a lot of spending (several tens of thousands) to earn a substantial offer. Such requests are an inconvenience and there's no guarantee of success.
I posted already on the cards I have including Sapphire no fee. As far as primary rental insurance, Sapphire has rental car benefits in no fee version. I do not have a car as I live in NYC and can get a driver when I want whether it be cab or uber or even mass transit so that is not an issue to me. However it is true only some credit cards have this feature but for me it isn't relevant. I haven't checked benefits to see if this was included but it is true that for many it is important.
I don't spend enough for the annual fee to be worthwhile.
If you don't spend enough to justify an annual fee (and I'm in the same boat), you are probably unlikely to receive a retention offer for an AF card from amex. There are people on MF who spend 15k on a card in a year, which is still chump change in amex's eyes, and get nothing from retention. They either had to downgrade, close, or pony up the fee. So while it's always possible to get an offer, like carefulbuilder says it's not guaranteed by any stretch.
That said -- with the low spending/no annual fee thing, you are not going to find a card with a huge amount of travel/luxury/etc perks.
The perks on free Amex, and Chase Sapphire and Barclays Arrival seem to be best fee free cards.
I have Hilton Hhonors which I use and a Blue and Clear card from years ago which they never cancelled. The Hilton one looks more like a true Amex card.
Barclays has a small number of purchases on cards compared to Chase and American Express who have the most purchase volume. Capital One also has a smaller volume than the biggest players.
Barclays seemed to be improving as of late growing in marketshare.
The best Visa/MC issuers I see for no fee cards are Chase Sapphire for those who have it, Barclays Arrival, Capital One Venture seems to be behind the other two but in third place as an alternative. Products from other issuers tend to be weak and non competitive.