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.