Reply
Highlighted
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: What is the best No Annual Fee card?

[ Edited ]

Elcid89 wrote:

Dustink wrote:

Elcid89

 

Have you ever thought about getting the reserve card? I think your spending and use of the benefits might warrant the annual fee.

 

https://creditcards.citi.com/credit-cards/hilton-hhonors-reserve-card/

 


I considered it, but I don't stay in Hiltons often enough for the slight increase in rewards to justify the fee. It's really not much of a bump up IMO. to really get any value out of the Reserve card, you need to basically live in Hilton hotels.

 


I think if you put over $2k per month on the card in general purchases, it would justify the cost difference.

 

Not to mention....the card looks better Smiley Tongue

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
Posts: 3,099
Registered: ‎10-02-2012
0

Re: What is the best No Annual Fee card?

Anybody else have any ideas for good no annual fee cards?

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%
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: What is the best No Annual Fee card?

I put my vote in for Chase Freedom Smiley Happy




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: What is the best No Annual Fee card?

Chase freedom FTW!
Regular Contributor
Posts: 106
Registered: ‎02-08-2012
0

Re: What is the best No Annual Fee card?

Chase Freedom is definitely a strong contender in terms of all around use, especially with a Chase banking account.

Capital One Journey (12/2010) | Chase Freedom (03/2012) | American Express Zync (03/2012)

Gardening since 03/2012
Experian score: 752 (6/2014)
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: What is the best No Annual Fee card?

Chase Freedom, Fidelity Amex (2% cash back on everything) and both of the no AF Hilton HHonors cards would be my recommendations.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor
Posts: 269
Registered: ‎03-15-2012
0

Re: What is the best No Annual Fee card?

Citi Dividend World Elite Mastercard

Fico Scores: 763 EQ(12/11/12) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: What is the best No Annual Fee card?

The Freedom is definitely a great card. Although, the rotating categories (like the current one) can be useless.

The BCE is a good no AF card, the 3% CB on groceries year round is good for when you cannot get 5% from other cards.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: What is the best No Annual Fee card?

A lot of great posts. We are getting a good list together.

 

Thanks everyone.

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: 150
Registered: ‎08-24-2012
0

Re: What is the best No Annual Fee card?

Definetly chase freedom or discover more.

Leaning towards discover though, with no foreign fees and bonus days (like today!)

My ultimate credit wish,
a JP Morgan Palladium card
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.