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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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What is the best No Annual Fee card?

I am looking for a card that offers a large sign up bonus, but yet doesn't have an annual fee. Do you know of any good ones out there?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
Posts: 567
Registered: ‎10-04-2012
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Re: What is the best No Annual Fee card?

For what? Cashback? Travel rewards? Points?

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: What is the best No Annual Fee card?

[ Edited ]

Haha the post in the last forum we were both in made me ask this. Thought it would be interesting to see what people could come up with.

 

How about one for each category, or just anything you can think of. Include application requirements and terms for bonus rewards.

 

Examples.

Cash Back:

Chase Freedom

Good credit

$100 bonus with $500 in purchases during the first 3 months

 

Travel:

Capital one Venture one

Good Credit

10,000 miles with $1000 in spending during first 3 months

No foreign transaction fees

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
Posts: 567
Registered: ‎10-04-2012
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Re: What is the best No Annual Fee card?

For points / travel, I'm a fan of my Citi Hilton HHonors card. Chase Freedom is also excellent. While I'm loathe to recommend anything put out by Capital One, their VentureOne card isn't bad either.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: What is the best No Annual Fee card?

Thanks for the post

 

I think Cap1 has some of the poorest customer service in the industry.

 

I will look into the Citi Card.

 

Do you have a referal link? If so, feel free to post it.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
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Registered: ‎10-02-2012
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Re: What is the best No Annual Fee card?

[ Edited ]

Looks like the Citi HHonors is a top contender for travel rewards.

 

40,000 HHonors Bonus Points

after $1,000 spent on purchases within the first 4 months2 

6 HHonors Bonus Points per $1

spent on hotel stays within Hilton Worldwide portfolio2 

3 HHonors Bonus Points per $1

spent at supermarkets, drugstores & gas stations2 

2 HHonors Bonus Points per $1

spent on all other purchases2 

HHonors Silver Membership2 

 

Visa Signature® Benefits

 

All with no annual fee and an APR of 14.24%

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
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Registered: ‎04-26-2012
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Re: What is the best No Annual Fee card?

If you utilize Discover's 5% cash back rewards program, it is a great no af card.

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Valued Contributor
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Registered: ‎10-02-2012
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Re: What is the best No Annual Fee card?


AZHeather wrote:

If you utilize Discover's 5% cash back rewards program, it is a great no af card.


Have you had any problems with acceptance or merchant classifications?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
Posts: 567
Registered: ‎10-04-2012
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Re: What is the best No Annual Fee card?

Nah, just apply for the card if you like. I will say that they are going to look at more than scores with this card. They have minimum income floors in place as well.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: What is the best No Annual Fee card?

Nope.  I run quite a bit on it every month and pay it in full twice a month, and have never had any problems (so far - knock on wood).  Use it all over the place too.

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