World mastercard elite, Amex and Visa Sig/Infinite no fee cards

[Anonymous]

Seems like Visa infinite doesn’t have any no fee cards that I know of while World Mastercard Elite has a few and Amex has some.

I was looking for best card being offered with best rewards/perk combo for low to moderate spend.  Capital One Savor has free World Mastercard Elite paired with 3% dining rewards which I have.  The Wells Fargo Propel has 3% on dining, travel, gas and and more rewards on airfare combined with their Visa in a Amex with a metal based card with decent benefits and I guess Amex competes against World Elite tier.  I know Amex has the new cashback card which is 1.5% and Schwab does it as well making the Propel seem better.  For Visa Infinite cards, I haven’t seen any no fee cards that I know of and free Visa Signature cards tend to be lower on perks that I have found although the Uber card has 4% dining rewards and cell phone insurance on the Visa Signature card which seems to be the best one for Visa Signature that I see.  I haven’t seen any annual fee cards based on my spending patterns I seem to benefit from as I am not the type to take fee cards and cancel or downgrade for points.  I want long term relationship cards.

[FinStar]

There's only a handful US-based institutions that offer Visa Infinite and it's unlikely to expect them to be non-AF given the type of products by each issuer.

Do you use any of the VS, WMC, WEMC benefits? Tiers aside, there's plenty of products in the marketplace that provide a plethora of benefits and perks, but it depends on the individual, regardless whether a CC comes in metal form or with a set of shiny disco balls.

[Anonymous]

I have gotten status match to Presidential at Hertz with my World Elite.  The travel benefits/perks on World Elite seem superior than the Wells Fargo Prosper in some ways while Wells Fargo gives a higher travel reward directly.  Wells Fargo Amex uses its own Travel agency for discounted bookings which are likely less favorable.  The Wells Fargo Amex seems to be missing some features that my Hilton Amex no fee version has but the rewards seem tempting.

Chase Sapphire Reserve definitely has way more benefits and advantages for the higher incomes and spenders as does Amex Platinum, and other higher end cards with annual fees.

Obviously no card fits all but some cards seem to be better than others in different ways which is why many posters have multiple cards.  

[K-in-Boston]

Most of these differences you've pointed out have to do with the differences between credit card products and their issuing lenders, not the specific type of network branding.  Citi Diamond Preferred can be a World Elite MasterCard, has no annual fee and offers 2% cash back.  Different cards will also have different levels of the WMC/WEMC/Signature/Infinite perks available to them.  For example, the $450 annual fee Chase Sapphire Reserve does not allow the $100 off 2 or more airline tickets when booked through the Visa Infinite portal, although the card itself is branded as a Visa Infinite.

The Hertz perk was not supposed to apply to US cardholders, but they were being allowed.  This is no longer the case.

With Amex, the card network has nothing to do with any of the benefits.  A basic no AF cashback card is not going to give you the same concierge access as a Platinum card.

[Anonymous]

I received status from National due to my card which was targeted to me in the USA.  Then I asked Hertz to status match me to National.  Hertz’s does status match with other rental agencies and is still doing status match.

No I don’t expect fee free cards to include everything.  Consumers have to choose themselves, but an ala carte model to me is superior as you know what you are spending for everything.  Sure, I could have done the Chase Sapphire Reserve 1000 promo when it existed but it was not favorable to me.  Considering the Propel is all metal, seems to be a nice card all around.  Even my Capital One Savor card is Plastic.  

You have way more cards than I have.  I routinely only use a small few cards and many cards I wasn’t using got closed already.  

[K-in-Boston]

I think we’re going in circles here between credit card product features and those limited benefits offered by MasterCard through their World and World Elite programs. Ignoring the status match, the National status was because you had the Bank of Anywhere Rewards card, not because you had a MasterCard product with World Elite benefits.

[Anonymous]

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@K-in-Boston wrote:

Most of these differences you've pointed out have to do with the differences between credit card products and their issuing lenders, not the specific type of network branding.  Citi Diamond Preferred can be a World Elite MasterCard, has no annual fee and offers 2% cash back.  Different cards will also have different levels of the WMC/WEMC/Signature/Infinite perks available to them.  For example, the $450 annual fee Chase Sapphire Reserve does not allow the $100 off 2 or more airline tickets when booked through the Visa Infinite portal, although the card itself is branded as a Visa Infinite.

The Hertz perk was not supposed to apply to US cardholders, but they were being allowed.  This is no longer the case.

With Amex, the card network has nothing to do with any of the benefits.  A basic no AF cashback card is not going to give you the same concierge access as a Platinum card.

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Is this Double Cash? I thought Diamond was basically fancier Simplicity card.

[K-in-Boston]

@Anonymous good catch; yes I meant Double Cash. Have my DP (which is a WMC) to Prestige PC on the mind.

[Anonymous]

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@K-in-Boston wrote:
@Anonymousgood catch; yes I meant Double Cash. Have my DP (which is a WMC) to Prestige PC on the mind.

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Keeping the Premier or moving that to DP when the AF is due? I like the Premier for its more broad travel definition.

All of the tiers of Visa and MC have varying benefits. Not all visa signatures have trip cancellation or primary rental insurance, and AMEX has a lot of different levels of benefits and perks. So just read the benefits disclosures carefully.

[UpperNwGuy]

Categories like World, World Elite, Signature, and Infinite are meaningless.  You should be focusing on the benefits of individual cards as defined by the lenders, not on generic categories of cards as defined by Visa and MasterCard.