[QUOTE=AznHotBoy;2004921]Chase Saphire. There is an annual fee of $99 for the Preferred version but I spend enough to get more than that back in points. No other fees. Also I pay back on the same day since I have a Chase bank account so no interest. My debit card daily limit is $500 vs my credit card have $3500 daily limit. There is no daily transfer limit between the bank to my credit card. Also I don't want to increase my debit card daily limit for security reasons.[/QUOTE]I looked at the offer page for the Sapphire Preferred. There is a cash advance fee of "$10 or 5% of the amount of each transaction, whichever is greater. " Are you saying you avoid that if you transfer from your Chase checking immediately? I understand you can avoid the interest by doing that but my understanding the cash advance fee is is charged regardless.