This is all great info. Thanks. I am deciding between the Chase Saphire and Capital One. They both have a $95 annual fee from what I can tell. @santacruz skier How did you get no annual fee for capital one or is that an introductory offer?
I feel like I’m sales pitching right now, haha. But having started with the Preferred card and then moved to the Reserved, I’m definitely not sorry.