@Anonymous wrote:I think it's safe to say that every credit card company would like their customers to use their cards primarily or exclusively.
If I understand your original question, one answer might be American Express. With some of their charge cards, they cater to the customer profile you describe: heavy use, pay in full. They offer competative rewards and additional benefits (depending on which card you have) that credit cards really don't. There is no pre-set spending limit, and they'll approve whatever purchases they perceive you're able to pay. They do have annual fees, but that also makes the higher end cards targeted toward heavy users who can take advantage of the perks.
What benefits? They are only benefits if they ummm benefit you. If you don't travel a lot or at all a lot of Amex offerings are useless like the Airline credit and etc. I also don't value MR rward points at all and as such my only card that has it is my Amex Everyday card.
@Anonymous wrote:
@Closingracer99 wrote:
What benefits? They are only benefits if they ummm benefit you.
Isn't that the case with every benefit? CLI only benefits you if have a use for the extra credit (even if it's only to pad your utilization). Lower APR only benefits you if you carry a balance. Targeted offers only benefit you if you actually buy what they're selling.
But I don't know any reasonable person who would quibble over calling CLI, lower APR, targeted offers, or travel perks benefits. Unless I'm missing your point?
Actually, lower APR benefits everyone - never know when you might need to unexpectedly carry a balance.
I do agree with the remainder of what you are saying in terms of benefits targeted to the individual.
