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Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: What is the best No Annual Fee card?


Dustink wrote:

flowfaster wrote:

Omaplatypus wrote:

+1 for Chase Freedom and I'll add Chase Sapphire non-preferred.


I am not trying to disrespect but I fail to see how the regular Saphire card could be considerd the "best NO AF card".  Freedom maybe but the regular Saphire is just a 1% card right?


The sapphire offers double points on dining and a 10,000 point sign up bonus.

 


If dining is what you're after just get a Citi Forward. That offers 5% on dining and entertainment like movies. Unless someone wants access to the UR mall, I fail to see any value in the normal sapphire whatsoever. There are way better options out there.
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
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: What is the best No Annual Fee card?


CreditScholar wrote:

Dustink wrote:

flowfaster wrote:

Omaplatypus wrote:

+1 for Chase Freedom and I'll add Chase Sapphire non-preferred.


I am not trying to disrespect but I fail to see how the regular Saphire card could be considerd the "best NO AF card".  Freedom maybe but the regular Saphire is just a 1% card right?


The sapphire offers double points on dining and a 10,000 point sign up bonus.

 


If dining is what you're after just get a Citi Forward. That offers 5% on dining and entertainment like movies. Unless someone wants access to the UR mall, I fail to see any value in the normal sapphire whatsoever. There are way better options out there.

I am not after anything in particular. I spend a fair amount of money in all categories. I was just pointing out the benefits of that card.

 

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?


Dustink wrote:

CreditScholar wrote:

Dustink wrote:

flowfaster wrote:

Omaplatypus wrote:

+1 for Chase Freedom and I'll add Chase Sapphire non-preferred.


I am not trying to disrespect but I fail to see how the regular Saphire card could be considerd the "best NO AF card".  Freedom maybe but the regular Saphire is just a 1% card right?


The sapphire offers double points on dining and a 10,000 point sign up bonus.

 


If dining is what you're after just get a Citi Forward. That offers 5% on dining and entertainment like movies. Unless someone wants access to the UR mall, I fail to see any value in the normal sapphire whatsoever. There are way better options out there.

I am not after anything in particular. I spend a fair amount of money in all categories. I was just pointing out the benefits of that card.

 


But yes I agree...Better cards 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%
Regular Contributor
Posts: 139
Registered: ‎05-30-2011
0

Re: What is the best No Annual Fee card?


Dustink wrote:

xboxrunner wrote:

I didn't scan through all the pages, but here are a few good no fee cards that I use.

 

American Express Blue Cash Everyday- 3% Groceries, 2% Gas, 1% Everything else.

Chase Freedom- 5% on quarterly rotating categories like Gas, Retail Stores, Travel. and 1% on everything else.

Citi Dividend- Basically same as the Chase Freedom.

 

 


Chase freedom has been mentioned. I apped for it and was approved for a $5k limit. Also got the AMEX HHonors card.

 

I am looking into apping for citi on my next spree. It looks like that dividend card converts to a world elite MC. Have you called to see if you can get yours upgraded, free lounge access!!!

 


Im thinking about trying again, I did once, but the lady didnt even know what a WE MC was. lol.  Wouldn't mind the shiny MC logo--looks fancy.

Experian (Credit.com)- 832 (7/12/2015)
Equifax (Citi) Fico- 803 (5/28/15)
Transunion (Credit Karma)- 809 (5/28/15)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 809 (5/28/15)
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Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: What is the best No Annual Fee card?

[ Edited ]

xboxrunner wrote:

Dustink wrote:

xboxrunner wrote:

I didn't scan through all the pages, but here are a few good no fee cards that I use.

 

American Express Blue Cash Everyday- 3% Groceries, 2% Gas, 1% Everything else.

Chase Freedom- 5% on quarterly rotating categories like Gas, Retail Stores, Travel. and 1% on everything else.

Citi Dividend- Basically same as the Chase Freedom.

 

 


Chase freedom has been mentioned. I apped for it and was approved for a $5k limit. Also got the AMEX HHonors card.

 

I am looking into apping for citi on my next spree. It looks like that dividend card converts to a world elite MC. Have you called to see if you can get yours upgraded, free lounge access!!!

 


Im thinking about trying again, I did once, but the lady didnt even know what a WE MC was. lol.  Wouldn't mind the shiny MC logo--looks fancy.

I wonder what that looks like. I want to do the same, but had the same issue Smiley Sad

 

Garden Mode... kind of... sort of (•‿•)
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