topic Re: Current no-AF WEMC cards? in Credit Cards

Current no-AF WEMC cards?

galahad15 — Mon, 26 Aug 2019 05:23:43 GMT

The only no-AF WEMC cards -- excluding the Citi DC, which does not offer true WEMC benefits -- that I am personally aware of are the Cap1 BuyPower card, and the Cap1 Savor One card (assuming that it is still issued as a WEMC?). Does anyone know of any other WEMC cards that are AF-free, and unlike Citi DC, offer genuine / standard WEMC benefits?

I am not really very thrilled with my Cap1 BuyPower card because of the exorbitant 20%+ interest rate I received, and also apped late last year but was denied for the Cap1 Savor card (grandfathered pre-Savor-One version without AF), even though my 3 FICO8 scores were 800+ at the time, and so I am looking for a potential WEMC without an AF to replace my Cap1 BuyPower card, if anyone has any possible thoughts or ideas please, if applicable? Or do you think I should mabe try apping for another Cap1 BuyPower card, in the hopes I will receive a lower go-to rate? (My FICO8 scores are currently 801 EQ, 792 TU, and 781 EX.) Thanks

Re: Current no-AF WEMC cards?

sjt — Mon, 26 Aug 2019 05:53:56 GMT

Sax Fifth Avenue WEMC issued by Capital One. I Believe you need to apply in person.

Re: Current no-AF WEMC cards?

kdm31091 — Mon, 26 Aug 2019 12:57:09 GMT

Do you have any actual good use for the BuyPower card? Even the lowest APR possible, 15%, is far higher than some of your low APR cards, so I think it wouldn't be worth closing and reapplying for (and there's no guarantee you're going to get the best APR). Either way, there's no reason to use that product to borrow money considering your lineup. I definitely wouldn't waste a new account and HPs just for a (maybe) slightly lower APR that's still too high to be worthwhile for financing anything.

I can't think of any no AF WEMC beyond what you mentioned. Is there a specific benefit you're after that your other cards lack? As has been discussed around here plenty of times, most people never use any of the benefits. I certainly wouldn't go out of my way to get a WEMC. There's plenty of threads about people wanting/getting WEMC or Visa Sig upgrades, but very very few about anyone actually utilizing a benefit.

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 13:15:09 GMT

Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.

Re: Current no-AF WEMC cards?

galahad15 — Mon, 26 Aug 2019 15:41:07 GMT

@kdm31091 wrote:
Do you have any actual good use for the BuyPower card? Even the lowest APR possible, 15%, is far higher than some of your low APR cards, so I think it wouldn't be worth closing and reapplying for (and there's no guarantee you're going to get the best APR). Either way, there's no reason to use that product to borrow money considering your lineup. I definitely wouldn't waste a new account and HPs just for a (maybe) slightly lower APR that's still too high to be worthwhile for financing anything.

I can't think of any no AF WEMC beyond what you mentioned. Is there a specific benefit you're after that your other cards lack? As has been discussed around here plenty of times, most people never use any of the benefits. I certainly wouldn't go out of my way to get a WEMC. There's plenty of threads about people wanting/getting WEMC or Visa Sig upgrades, but very very few about anyone actually utilizing a benefit.

The primary utility of the Cap1 BuyPower WEMC that I had previously been using it for was WEMC benefit for discounts and/or upgrade options for car rentals (also created another recent thread on that subject to discuss if those benefits are only available for WEMC or if they are also available to WMC as well, etc.). Thanks for your feedback and comments

Re: Current no-AF WEMC cards?

galahad15 — Mon, 26 Aug 2019 15:43:22 GMT

@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.

Thanks for the helpful info! Although I thought that Apple currently only allows apps for their card for people that have iPhones? I have an Android phone so I don't know if at least now at the present time if I can app for it; i.e., since I don't have an iPhone? Or is it possible that Apple may be eventually opening apps in the future to non-iPhone customers?

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 15:47:08 GMT

@galahad15 wrote:
@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.
Thanks for the helpful info! Although I thought that Apple currently only allows apps for their card for people that have iPhones? I have an Android phone so I don't know if at least now at the present time if I can app for it; i.e., since I don't have an iPhone? Or is it possible that Apple may be eventually opening apps in the future to non-iPhone customers?

It’s very unlikely that Apple will open up apps outside of iPhone and iPad any time soon, it was just the only other no AF one I could think of.

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 16:29:51 GMT

@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.

I just registered my Citi DC there. How can I tell the difference between W and WE benefits on the site?

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 16:31:28 GMT

@Anonymous wrote:
@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.
I just registered my Citi DC there. How can I tell the difference between W and WE benefits on the site?

I haven’t registered mine because I have no interest in the stuff but here’s a list of differences between them.

https://thepointsguy.com/guide/world-elite-vs-world-mastercard/amp/

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 17:02:03 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.
I just registered my Citi DC there. How can I tell the difference between W and WE benefits on the site?
I haven’t registered mine because I have no interest in the stuff but here’s a list of differences between them.

https://thepointsguy.com/guide/world-elite-vs-world-mastercard/amp/

I meant is there an easy way to tell on the travel.mastercard.com site? I see Priceless Cities on the site for example, which according to TPG etc is WE. Since I don't have any other WEMC I can't tell the difference between DC and a "real" one!

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 17:51:33 GMT

@Anonymous... again I find out about a potential World & World Elite Master Card Benefit here! At no time have I ever found information concerning the benefits you can register for!

Thanks Saeren! You do your homework!!!

How people find some of this information ever amazes me?!

Re: Current no-AF WEMC cards?

DeschutesMyVaronis — Mon, 26 Aug 2019 17:48:17 GMT

REI's US Bank issued card is a WEMC. On my card, it only lists it as "World" but in the US Bank portal it has rewards program set as WEMC. I did notice that it looks like you can get 2% back on mobile wallet purchases. I don't recall this being the case when I first got the card, just 5% at REI then 1% for everything else. So maybe they made changes or I just forgot in an app spree.

https://www.reimastercard.com/credit/benefits.do

Re: Current no-AF WEMC cards?

Anonymous — Mon, 26 Aug 2019 17:50:35 GMT

@DeschutesMyVaronislikely you missed the benefits due to all the other items contained in their online card offerings! Did not know then had this card?

Again, MyFicoer's come through!

Re: Current no-AF WEMC cards?

wasCB14 — Mon, 26 Aug 2019 17:59:13 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.
I just registered my Citi DC there. How can I tell the difference between W and WE benefits on the site?
I haven’t registered mine because I have no interest in the stuff but here’s a list of differences between them.

https://thepointsguy.com/guide/world-elite-vs-world-mastercard/amp/
I meant is there an easy way to tell on the travel.mastercard.com site? I see Priceless Cities on the site for example, which according to TPG etc is WE. Since I don't have any other WEMC I can't tell the difference between DC and a "real" one!

I used a Priceless Cities perk on a no-AF Arrival WMC in 2015.

Re: Current no-AF WEMC cards?

DeschutesMyVaronis — Tue, 27 Aug 2019 02:38:51 GMT

Looks like I wasn't imagining things! This mailer came today.

Re: Current no-AF WEMC cards?

Anonymous — Tue, 27 Aug 2019 03:06:18 GMT

@DeschutesMyVaronis wrote:
Looks like I wasn't imagining things! This mailer came today.

Competing with the apple card then (2% on all mobile wallets, so even better!) and 5% rather than 3% on "home store" stuff.

Re: Current no-AF WEMC cards?

NRB525 — Tue, 27 Aug 2019 04:03:56 GMT

@galahad15 wrote:
@Anonymous wrote:
Apple Card is a WEMC. People have successfully registered it on travel.mastercard.com for the WEMC travel benefits.
Thanks for the helpful info! Although I thought that Apple currently only allows apps for their card for people that have iPhones? I have an Android phone so I don't know if at least now at the present time if I can app for it; i.e., since I don't have an iPhone? Or is it possible that Apple may be eventually opening apps in the future to non-iPhone customers?

Well, you could upgrade your phone...