Originally Posted by
fredc84
I'd be curious to know what metric they use to hand out those offers…
Wouldn’t we all. In addition to helping with the initial application decision it might be helpful in determining if this card is churnable.
Originally Posted by
notquiteaff
If they did something like Amex where they offer you “at least XYZ” or “up to XYZ” and show you the offer before you submit your final application, that would, I suppose, be an acceptable way to not give everyone a pseudo-SUB. But I have zero interest in signing up for the card without knowing the entire deal.
https://frequentmiler.com/up-to-some...elcome-offers/
Excellent point, I hadn’t seen that (before) for AmEx applications, thank you.
Originally Posted by
josephstern
I truly think this card is worth having even without a sign-up bonus. … No annual fee and no forex fee, plus bonus categories - it has its place in my wallet long-term.
Originally Posted by
Smiley90
It's a free card that lets anyone get points on either rent or condo/HOA fees. That alone is worth the minimal impact of a hard pull.
Originally Posted by
fredc84
The main reason I signed up for this card is the ability to pay rent without incurring fees ….
Agree that this card is a no-brainer for anyone who pays rent (or condo fees). Others need to evaluate the benefits and their other CC benefits and their 5/24 concern and status, for them it could go either way, basically a “
Deal or No
Deal”.
Originally Posted by
notquiteaff
… $10k at 5X ….
If you do apply and get the quasi-SUB, it maxes out at $12.5k, not $10k.
Originally Posted by
Smiley90
… most sign on bonuses are moving to once in a lifetime….
As others have mentioned “most” might not be the applicable word, some is probably more accurate. And even for that “some”, lifetime is an ambiguous word due to some lifetimes being 7 years and some NLL offers essentially offering unlimited lifetimes.