@Anonymous wrote:to whoever assumed that i pay 39$ for quick silver. take a step back dude . dont assume. mine is quick silver master card without any annual fee. i pcd it long back from platinum mc. i dont pay any annual fee , nor interest on any cards. i pay it in full . and yes 195$ annual fee for prg seems a lot to me since i dont fly as much and i dont get frequent benefits as much from it. personally i dont want to pay annual fee for credit cards. i want rewards and maximize what i can get for my purchases
It's not really wrong to assume you have a $39 annual fee on a Quicksilver One seeing as that is the card in your profile signature. In fact, it makes sense and is a factual point to assume you're paying an annual fee on it since the card is advertised with the AF, so let's be a little more respectful of others and not tell them to "step back dude." Thank you. 
Let us remember I am here to help you and not put you down, and didn't see the logic behind paying an annual fee for one card with zero benefits over a card that has a higher (but not super high) annual fee I think the PRG is a great card and is a keeper. I think many people don't travel enough, and traveling once a year would more than offset the card's annual fee.
What exactly did you PC your QS1 to? The big brother QS is a Visa Signature, not a MasterCard. I'm not following you here.
@Anonymous wrote:
@Anonymous wrote:to whoever assumed that i pay 39$ for quick silver. take a step back dude . dont assume. mine is quick silver master card without any annual fee. i pcd it long back from platinum mc. i dont pay any annual fee , nor interest on any cards. i pay it in full . and yes 195$ annual fee for prg seems a lot to me since i dont fly as much and i dont get frequent benefits as much from it. personally i dont want to pay annual fee for credit cards. i want rewards and maximize what i can get for my purchases
It's not really wrong to assume you have a $39 annual fee on a Quicksilver One seeing as that is the card in your profile signature. In fact, it makes sense and is a factual point to assume you're paying an annual fee on it since the card is advertised with the AF, so let's be a little more respectful of others and not tell them to "step back dude." Thank you.
Let us remember I am here to help you and not put you down, and didn't see the logic behind paying an annual fee for one card with zero benefits over a card that has a higher (but not super high) annual fee I think the PRG is a great card and is a keeper. I think many people don't travel enough, and traveling once a year would more than offset the card's annual fee.
What exactly did you PC your QS1 to? The big brother QS is a Visa Signature, not a MasterCard. I'm not following you here.
You can have a Quicksilver that is a MasterCard... I have one myself. You can also have a Quicksilver One that is a Visa, although they are rare.
Also keep in mind that the QS/QS1 cards do have benefits (1.5% cash back) and are a good fit for many (obviously the no-AF QS is preferable).
The PRG is a good match for some, but whether it's AF is high or not is relative (and subjective) and whether somebody travels enough (or not) is also subjective, and is really beyond the scope of the original question.
If the OP has decided that the PRG isn't for him long term, as Kenny mentioned that's the OP's decision to make.
' what exactly did you pc your qs1 to'? again. do take a step back and please read what i wrote clearly . i wrote i pcd my capital one platinum master card to qs master card without annual fee.i never even mentioned 'qs1'. my point is , you assumed i am paying an annual fee of 39$ . fine . but your comments were " So you'll pay a $39 annual fee on your Quicksilver One, but won't pay $195 for a card that actually has the annual fee pay for itself and then some... Alrighty then" sounds not so respectful to me. please be respectful and sure i will mirror you back that. btw on my fico you can see there are many many cases of people pc ing there platinum mc to qs mc with no af. so a picture of qs mc does not only mean its an annual fee card. there are other possibilities 
. 195$ for some of us as annual fee is hefty. so please do read clearly , that way we can communicate clearly without problems. i appreciate all feed back as long as they respectful and understanding of what i actually wrote. have a great day!
'chuck the serve and put your expenses on Prg'. I agree. this exactly what i am going to do. the more i read ,i am begining to understand serve is not worth the risk. and yes i am planning to keep it until i get ed , i want my free tickets
@Anonymous wrote:
my third and last question is i remember reading an article which says that milage explorer App codes the purchase of a 100$ amazon gift card as airline fee expense and thus i can get reimbursed for that from prg yearly 100$ statement credit for airline fee . has anyone tried this?
Don't overlook prior threads. I think tha'ts an option. I generally use the airline specific AmEx Airline Fee credit threads over on FlyerTalk as they collect data points in one place for each airline though the United gift registry has always worked for me to max out the airline fee credit each year so far.
@Anonymous wrote:i dont need this card with its hefty annual fee in the long run , i just need it for free tickets to NY .
Hopefully you carefully researched the MR program and calculated what sort of value you can get with the redemption options you can use before applying. All of your questions should have been part of your research prior to applying. Don't just respond to offers. Sort out your needs/wants and use that to find cards that suit you.
@Anonymous wrote:im glad that amex provides experian fico 8 . i have transunion fico 8 and bankard equifax fico from synchrony and citi . i was wondering if there is any card that provides equifax fico 8? thanks for your inputs again. please keep it coming
Citi provides an EQ FICO 8 Bankcard. It is not the same thing as an EQ FICO 8.
@Anonymous wrote:and yes 195$ annual fee for prg seems a lot to me since i dont fly as much and i dont get frequent benefits as much from it. personally i dont want to pay annual fee for credit cards. i want rewards and maximize what i can get for my purchases
Always consider and calculate total cost/benefit for your spend. Don't just look at AF's.