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


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


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Mega Contributor
Posts: 15,446
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Re: What is the best No Annual Fee card?

I put my vote in for Chase Freedom Smiley Happy




EQ FICO 548 3/3/16
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
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Re: What is the best No Annual Fee card?

Chase freedom FTW!
Regular Contributor
Posts: 106
Registered: ‎02-08-2012
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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: 2,489
Registered: ‎01-22-2012
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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.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor
Posts: 271
Registered: ‎03-15-2012
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Re: What is the best No Annual Fee card?

Citi Dividend World Elite Mastercard

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
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Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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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
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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: 153
Registered: ‎08-24-2012
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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

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