Does anyone have a resource or guide they can link, or can explain these fee-free MC/Visas to me like I'm 5? I know you guys are using CIC's to get 5x on these, and then using the MC/Visa to pay for stuff like utilities or prop tax or whatever you need (that doesn't get a good return). I just don't understand the process of purchasing these, how you know they're fee free, etc. At Staples I never see a sale sign that they are fee free, and they are always listed at like $105.95 price, for example. I'd like to get into purchasing these, as I'm trying to obtain more URs organically, since approvals seems to be tightening. I just can never wrap my head around this...