Wednesday, May 27, 2009

Credit Card Fees to Make You Feel Special

This offer came in our mailbox a few days ago.
We should fee special for receiving this offer, it's limited to only 1% of U.S. residents. It comes with:
  • 24 Concierge Assistant,
  • Exclusive Rewards Program ,
  • Luxury Gifts, and
  • it's made with carbon!
It also carries a $495 annual fee! (Except if you live in Iowa, then it's just $0.50--state regulations.)

Consider the benefits:

Concierge Program: These programs are useful and busy people may like the idea of having someone take care of reservations at restaurants, golf courses and theatre shows, but it's not something we are likely to use.

Rewards Program: The card gives you 1 point for every dollar spent (cash advances are excluded). Rewards expire after 5 years. This isn't bad, but we already receive similar rewards with another card. And there are rewards earning cards available that have $0 annual fee.

Luxury Gifts: I have no idea what these are since no examples were given.

Black Carbon card: It's pretty, but not enough to sway me.

So, nearly $500/year to carry a black Visa? No thanks. I'll run with other 99% of U.S. Residents who don't carry black either.

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