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Planning app(s) for NON-reward cards

Established Contributor

Planning app(s) for NON-reward cards

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 1 of 7
6 REPLIES
Established Contributor

Re: Planning app(s) for NON-reward cards

aparently no one cares about non-reward cards here! lol

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 2 of 7
Highlighted
Contributor

Re: Planning app(s) for NON-reward cards

You could just open cards with 12-18 month 0% APR periods every year or so and/or balance transfer to the Chase Slate card (0% APR for BTs for some period, no BT fee) if you have a big balance.

 

I don't know too much about general low-APR cards.  I'd imagine credit unions are good for those.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Message 3 of 7
Valued Contributor

Re: Planning app(s) for NON-reward cards


zyzzus wrote:

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.


So the trouble is with the APR range for DCU.  8.5% is a good APR, 18.00% not so much, lots of rewards cards around there.  So you would need to know what range of APR you might get, and how long it might stay there.

Message 4 of 7
Super Contributor

Re: Planning app(s) for NON-reward cards

+1 to bs6054

One thing that is appealing about the Ring. If you get approved you know what apr you're getting. 8.5-18 is a huge range, and 18 on a card with no rewards is terrible.
Message 5 of 7
Valued Contributor

Re: Planning app(s) for NON-reward cards

You can also look into opening a Citi credit card. As long as you keep it in good standing there is constant 0% BT (sometime 0% purchase) offer.

Message 6 of 7
Valued Contributor

Re: Planning app(s) for NON-reward cards


zyzzus wrote:

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.


Just came across your post and found it interesting.

 

What did you wind up doing? I have been researching low APR cards lately. I have found some good ones.

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 7 of 7