Originally Posted by
wyogold
I would count marketing cost as advertising cost, but I guess you could count bonus cost as that too.
But the reality is that the CSR set a benchmark and countering with a 0K signup bonus is weak sauce.
My point exactly. For $150 AF, there's plenty of other cards out there that will give better value for $15k spend. Anyone can get all these cc benefits and travel insurance for less (e.g. Sapphire Preferred).