Best perk/luxury/service card on the market?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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aj023
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Best perk/luxury/service card on the market?

Postby aj023 » Sat Jan 23, 2016 3:49 pm

Hello. I have perfect credit with long payment history, score ranges approximately 800 FICO through various sources. All the banks seem to have a slightly different score through the free credit scores offered.

I am looking for the best no fee credit card on the market in terms of perks and customer service and luxury appeal. Rewards are secondary.

Anything offered on the marketplace which are higher end tier fee free Visa/MC products which I may have overlooked?

To me the Chase Sapphire seems to be the most distinctive with best combo of perks and rewards for free but the card seems easily available now but considering the size of Chase, seems like it may have a lot more pull than other issuers.


kdm31091
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Re: Best perk/luxury/service card on the market?

Postby kdm31091 » Sat Jan 23, 2016 6:25 pm

aj023 wrote:Hello. I have perfect credit with long payment history, score ranges approximately 800 FICO through various sources. All the banks seem to have a slightly different score through the free credit scores offered.

I am looking for the best no fee credit card on the market in terms of perks and customer service and luxury appeal. Rewards are secondary.

Anything offered on the marketplace which are higher end tier fee free Visa/MC products which I may have overlooked?

To me the Chase Sapphire seems to be the most distinctive with best combo of perks and rewards for free but the card seems easily available now but considering the size of Chase, seems like it may have a lot more pull than other issuers.


What perks are you specifically looking for? The Chase Sapphire is hardly what I'd think of as "distinctive" as it's not particularly hard to get (as long as you have less than 5 new accounts in 24 months anyway). Many Sapphire cardholders have been disappointed with the loss of perks/benefits over time which have not been replaced. In short, still a good card, but not as extraordinary as it may have been at one point. Besides that, it has an annual fee, which you mentioned not wanting. Most of the "exclusive" or "luxury" type cards have annual fees.

But we need more information on what kind of perks you want..."higher tier" can mean a lot of different things. With your score, pretty much anything is likely within reach, but we need more details.

aj023
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Re: Best perk/luxury/service card on the market?

Postby aj023 » Sat Jan 23, 2016 7:03 pm

kdm31091 wrote:
aj023 wrote:Hello. I have perfect credit with long payment history, score ranges approximately 800 FICO through various sources. All the banks seem to have a slightly different score through the free credit scores offered.

I am looking for the best no fee credit card on the market in terms of perks and customer service and luxury appeal. Rewards are secondary.

Anything offered on the marketplace which are higher end tier fee free Visa/MC products which I may have overlooked?

To me the Chase Sapphire seems to be the most distinctive with best combo of perks and rewards for free but the card seems easily available now but considering the size of Chase, seems like it may have a lot more pull than other issuers.


What perks are you specifically looking for? The Chase Sapphire is hardly what I'd think of as "distinctive" as it's not particularly hard to get (as long as you have less than 5 new accounts in 24 months anyway). Many Sapphire cardholders have been disappointed with the loss of perks/benefits over time which have not been replaced. In short, still a good card, but not as extraordinary as it may have been at one point. Besides that, it has an annual fee, which you mentioned not wanting. Most of the "exclusive" or "luxury" type cards have annual fees.

But we need more information on what kind of perks you want..."higher tier" can mean a lot of different things. With your score, pretty much anything is likely within reach, but we need more details.


The Chase Sapphire card is one I have already and it has no fee. I was grandfathered into the no fee version. I had a World Mastercard version which they converted to Visa Signature on their own.

I have other cards as well and I am happy the most with Chase for Visa/MC but as you said, the card seems to be too easy to get.

I am looking for same perks that Chase Sapphire has now with lost baggage, trip delay, cancellation, price protection and all the other included features. If a card has an additional feature that is useful over Chase's included features, perhaps more access or pull with concierge or something else that is no fee.

Doesn't look like I qualify for the cards for the wealthy elite which also have large fees or require huge min balance requirements or both which have exclusivity others can't offer. I am looking for the highest card thats a step under those with no fees.

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CarefulBuilder14
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Re: Best perk/luxury/service card on the market?

Postby CarefulBuilder14 » Sat Jan 23, 2016 7:17 pm

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.
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thom02099
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Re: Best perk/luxury/service card on the market?

Postby thom02099 » Sat Jan 23, 2016 7:38 pm

IIRC, the Chase Sapphire (non-AF ) card is no longer available to apply for. Formerly, one could downgrade a Preferred card to a standard card, but I think they've also discontinued that practise as well.

I am looking for the best no fee credit card on the market in terms of perks and customer service and luxury appeal. Rewards are secondary.


Best is always subjective. Your "best" card concept may differ from what mine or others' concepts would be. Finding a combination of "perks and customer service and luxury appeal" in one no fee card may be difficult if not impossible. Some cards may offer various combinations of 1 or 2 of these criteria, but finding all three? Not really sure what card might fit that description, if any.
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Re: Best perk/luxury/service card on the market?

Postby JonE » Sat Jan 23, 2016 7:55 pm

Seems to me a combination of some cards works better than any one. CSP plus Freedom from Chase works for the combo and the transfer of points between the 2 accounts.

Amex EDP + PRG (Even though both have AFs) work for pretty much the same reason, especially if you do a lot of traveling. No other combination that I can think of would have that kind of bang for your buck.
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Re: Best perk/luxury/service card on the market?

Postby CarefulBuilder14 » Sat Jan 23, 2016 8:02 pm

Perks cost money. If a card had spectacular ones but no AF, and the issuer tried to make it up by only offering a trickle of rewards, then a lot of people would get the card for the perks and barely put any spend on it.

I suppose a Premium Plus Discover might qualify, but that (assuming it even still exists) is invitation-only...and an invitation would require a lot of spending on a regular Discover.

PRG doesn't have much in the way of perks. It's a weird travel/everyday spend hybrid that's mediocre at everything.

It still has the airfare credit and Offers, though. :ppp
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aj023
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Re: Best perk/luxury/service card on the market?

Postby aj023 » Sat Jan 23, 2016 8:04 pm

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.

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Re: Best perk/luxury/service card on the market?

Postby JonE » Sat Jan 23, 2016 8:16 pm

CarefulBuilder14 wrote:Perks cost money. If a card had spectacular ones but no AF, and the issuer tried to make it up by only offering a trickle of rewards, then a lot of people would get the card for the perks and barely put any spend on it.

I suppose a Premium Plus Discover might qualify, but that (assuming it even still exists) is invitation-only...and an invitation would require a lot of spending on a regular Discover.

PRG doesn't have much in the way of perks. It's a weird travel/everyday spend hybrid that's mediocre at everything.

It still has the airfare credit and Offers, though. :ppp


That's why I waiver back and forth as to whether I want to include a PRG with the EDP when I apply. Plus between Freedom + CSP and the Amex combo my spending would have to be pretty astronomical.
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kdm31091
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Re: Best perk/luxury/service card on the market?

Postby kdm31091 » Mon Jan 25, 2016 7:37 am

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.



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