Someone would have to be pretty desperate to carry a balance at 16.24%, even without a $95 AF. There are plenty of proper BT cards if someone is going to carry a balance, as well as potential special BT offers on no-AF rewards cards.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
