Originally Posted by
Adelphos
Don’t you also have to have an existing US Bank account to get the Altitude Reserve? I think most people can get it but I remember having an issue with that as a New York resident (they didn’t give cards to people outside of their target markets are something).
Many on FT earn either 2x points back (Double Cash, Amex BBP) or 2% cash back. I have also found Apple/Goldman to be a pretty good lender (they have quickly become my largest credit limit through automatic and requested credit limit increases, which is nice for a no fee card). 2% minimum on a no fee card with no FX fees isn’t bad (I don’t believe I have ever swiped the physical card)
You do. So it’s prudent to open a US Bank checking account online for a $400 bonus before going in for the CC ;-). I’ve never personally had a major lender give me a problem, so many of the pros you list about Goldman are irrelevant to me, though it may mean a lot to you. I have several 2x no fee cards with $20-$30k limits — Citi DC, AMEX BBP, and Fidelity Visa — and I’d likely never have a balance anywhere approaching that so it’s not really a huge deal.
Also, I didn’t realize I was replying to a post that was like 8 months old until after I hit send, sorry to bring it up to the front.