Best Non-AF MasterCard?

[MrCollector]

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@mongstradamus wrote:

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@MrCollector wrote:

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@Ghoshida wrote:

Amongst the ones I've seen, Sallie Mae has pretty good stuff. 0 AF, 5% on gas, groceries, books (and Amazon).

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Isn't Sallie Mae only for people who have student loans(I don't)?

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No Sallie Mae is for everybody and it beat out bce and boa cash rewards IMO.its next on my list of cards to get 😊

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I don't want to deal with Barclays so that's out for me, but good to know. Looking at the BoA BBR right now.

[MrCollector]

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@KennyRS wrote:
For me: Sallie Mae - when Sam's/Wal-Mart comes out with their Mastercard that might be on the list for me as well.

I'm curious as to why you're putting the Quicksilver in the sock drawer?

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It was a PC from the Platinum with a 24.9 APR/

[Ghoshida]

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@MrCollector wrote:

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@Ghoshida wrote:

Amongst the ones I've seen, Sallie Mae has pretty good stuff. 0 AF, 5% on gas, groceries, books (and Amazon).

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Isn't Sallie Mae only for people who have student loans(I don't)?

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Nope.

I don't have a SM student loan, but I use it heavily. 5% on gas, groceries, books with monthly spend limit $250, $250, $750 (more than I'd need). 

You can use them as

(a) statement credit (you need $25 to redeem), or

(b) transfer to UPromise account (if you're like me and want rebate malls) and then to a SM Checking account for 10% bonus (slightly roundabout but not bad, IMO). 

Points earned can be viewed instantly on the monthly transactions page. Unlike AMEX BCE, I never had problem with SM not recognizing the category.

12 month intro 0%. My highest CL so far ($3000).

Got it with a score of 680 (TU). It pulls TU (Barclays).

Also offers you free TU FICO score (frequency not as consistent as Discover though).

[Ghoshida]

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@MrCollector wrote:

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@KennyRS wrote:
For me: Sallie Mae - when Sam's/Wal-Mart comes out with their Mastercard that might be on the list for me as well.

I'm curious as to why you're putting the Quicksilver in the sock drawer?

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It was a PC from the Platinum with a 24.9 APR/

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Also a suggestion: Try PC to regular Q/S. You won't get the bonus or the 0% APR but the AF will be waived and you'll still have the non-category 1.5% bonus all year round. I PCed from the Platinum to regular Q/S. It has the same atrocious APR but I always PIF.

CL is 2k for me.

[MrCollector]

Went with the Barclaycard Arrival (No AF). So much for waiting.

[mongstradamus]

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@MrCollector wrote:

Went with the Barclaycard Arrival (No AF). So much for waiting.

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Grats you got approved? 

[MrCollector]

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@mongstradamus wrote:

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@MrCollector wrote:

Went with the Barclaycard Arrival (No AF). So much for waiting.

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Grats you got approved? 

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Yes, $3.2K CL. Full rundown http://ficoforums.myfico.com/t5/Credit-Card-App-Approvals/The-April-of-Legend/td-p/3052196

[Kenny]

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@MrCollector wrote:

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@KennyRS wrote:
For me: Sallie Mae - when Sam's/Wal-Mart comes out with their Mastercard that might be on the list for me as well.

I'm curious as to why you're putting the Quicksilver in the sock drawer?

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It was a PC from the Platinum with a 24.9 APR/

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And the APR affects you how? Capital One would never be the lender of choice anyways to carry a balance. The 1.5% cash back is pretty excellent, to me.

[Kenny]

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@MrCollector wrote:

Went with the Barclaycard Arrival (No AF). So much for waiting.

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Congrats on your approval

[mongstradamus]

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@KennyRS wrote:

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@MrCollector wrote:

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@KennyRS wrote:
For me: Sallie Mae - when Sam's/Wal-Mart comes out with their Mastercard that might be on the list for me as well.

I'm curious as to why you're putting the Quicksilver in the sock drawer?

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It was a PC from the Platinum with a 24.9 APR/

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And the APR affects you how? Capital One would never be the lender of choice anyways to carry a balance. The 1.5% cash back is pretty excellent, to me.

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I don't think it was Apr that bothered op it was the annual fee