Cigars and beer :eek: ? Always suspected there was a different socialization experience in Ann Arbor. In East Lansing we could obtain Cognac ;) .

Interesting, I am told that the socialization process in east lansing begins with lighting couches on fire and being teargassed :) Psychologically perhaps the cigars and beer were a way to break free of my inner WASP? All I know right now is I love my ML card, the concierge rocks and helps me open doors I cannot myself. Alas the feeling didnt last long just as I started to feel monied and a genuine member of the leisure class some rich punks around here have began to flash their way into clubs and events with cent cards. Sadly the annual fee on those is about 1/15th of my income.

Circles Concierge
 

Does anyone know of a no annual fee card that includes Circles concierge? I know Merrill+ used Circles, but I think since the BofA takeover they now use Les Concierges.

I very highly doubt you will find a card offering that with no yearly fee. A card with the fee waived based on amount invested etc. is possible but if it was to be fee free, the concierge service would be terrible, unless you know a lot of people that like to work for free.