topic Re: Looking for a card no FTF low or no AF...ideas? in Credit Cards

Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 16:10:04 GMT

My husband's job now has him doing international travel 3-5 times a year and none of our cards have no FTF.

He is cheap and would prefer a card with no annual fee. He would prefer something that's either Visa or MC. He has good credit and good UTIL and low INQs, so there shouldn't be any problems.

Any ideas? What's your favorite card? Why? As usual, thank you for your advice.

Re: Looking for a card no FTF low or no AF...ideas?

HeavenOhio — Fri, 17 Mar 2017 16:27:33 GMT

None of CapitalOne's cards have FTFs. Quicksilver has a simple 1.5% rewards system and has no annual fee. Note that CapOne will pull all three bureaus. But any requests for credit limit increases will be soft pulls.

The Chase Amazon Visa is also a no-FTF card. It may come in with a lower starting limit than you might like, but there's a good chance that Chase will auto-increase it after three or four months. Chase may pull two bureaus to approve, and customer-initiated CLI requests will involve a hard pull.

Re: Looking for a card no FTF low or no AF...ideas?

mkhan1093 — Fri, 17 Mar 2017 16:38:14 GMT

If he's going to be traveling like that, maybe a travel card might make his life easier. Cards like the Chase Sapphire Preferred offer a lot of value for a $95 annual fee, which is on the lower end when it comes to credit cards. Not only does it have no FTFs but if he has to charge his personal cards for business travel and be reimbursed later, then he can rack up Ultimate Rewards points fairly quickly.

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 16:48:39 GMT

@mkhan1093 wrote:
If he's going to be traveling like that, maybe a travel card might make his life easier. Cards like the Chase Sapphire Preferred offer a lot of value for a $95 annual fee, which is on the lower end when it comes to credit cards. Not only does it have no FTFs but if he has to charge his personal cards for business travel and be reimbursed later, then he can rack up Ultimate Rewards points fairly quickly.

That depends on for what reason he's traveling... Sometimes they pay directly, sometimes reimbursement after...it's annoying. Usually airfare is paid for directly by his job, so travel points arent essential.

Good luck trying to convince him $95 is worth it for a credit card - he moans constantly about the $29 a year Bank of America charges him on a legacy card he refuses to call and change.

Re: Looking for a card no FTF low or no AF...ideas?

AllCredit — Fri, 17 Mar 2017 16:51:50 GMT

PenFed CCs, I just got the Amazon Prime Visa...no FTF and on fee...

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 16:58:05 GMT

http://www.doctorofcredit.com/master-list-no-annual-fee-no-foreign-transaction-fee-cards/

That list contains every card i know about from bigger banks. I do know that the Huntington Voice also fits the category, but you need to be in their service area. Personally, I think the Amazon and Quicksilver are the way to go. Alot of sites i see recommend having 3 credit cards when travelling (in case accounts are frozen for fraud protection). And having both a Visa and Mastercard. They also recommend having a debit card or two to access cash just in case. The only no FTF debit with ATM fee refunds i could find was with Charles Schwab.

Re: Looking for a card no FTF low or no AF...ideas?

yfan — Fri, 17 Mar 2017 16:59:59 GMT

I would recommend the Capital One Quicksilver. No BS, easy to redeem rewards, usually fairly good credit lines if you have a good credit.

A good alternative is the Bank of America Travel rewards card, which is also 1.5% but as travel points so I'm not sure if you can get the bonus for redeeming it in your BofA checking or savings account.

Re: Looking for a card no FTF low or no AF...ideas?

Themanwhocan — Fri, 17 Mar 2017 17:20:29 GMT

The NASA Platinum Cash Rewards VISA has no FTF and no AF. 1.5% cash back. And the shuttle launch image looks nice.

https://www.nasafcu.com/credit-cards/

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 18:08:43 GMT

@Themanwhocan wrote:
The NASA Platinum Cash Rewards VISA has no FTF and no AF. 1.5% cash back. And the shuttle launch image looks nice.

https://www.nasafcu.com/credit-cards/

The application makes it looks like you don't even have to join the CU? Or am I missing something??

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 18:11:09 GMT

@Anonymous wrote:
http://www.doctorofcredit.com/master-list-no-annual-fee-no-foreign-transaction-fee-cards/

That list contains every card i know about from bigger banks. I do know that the Huntington Voice also fits the category, but you need to be in their service area. Personally, I think the Amazon and Quicksilver are the way to go. Alot of sites i see recommend having 3 credit cards when travelling (in case accounts are frozen for fraud protection). And having both a Visa and Mastercard. They also recommend having a debit card or two to access cash just in case. The only no FTF debit with ATM fee refunds i could find was with Charles Schwab.

Thanks for this. We are in North Carolina, so I think we are outside of their area.

Re: Looking for a card no FTF low or no AF...ideas?

NRB525 — Fri, 17 Mar 2017 19:09:21 GMT

Ok, if he does not like even a $29 AF, the Capital One Quicksilver is the only way to go.

You could get cards from a Credit Union, but that is going to require an application process and deposit to a savings account, just to get in the lobby.

With Capital One, he can app straight up for the credit card, no hassles. Redeem the rewards from dollar 1, no hassle. Accepted worldwide, no hassle. 1.5% everywhere, no hassle. No AF, no FTF.

Re: Looking for a card no FTF low or no AF...ideas?

CreditInspired — Fri, 17 Mar 2017 19:13:03 GMT

I say, ask his employer to pay the AF since he's traveling for the job

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 19:15:26 GMT

@CreditInspired wrote:
I say, ask his employer to pay the AF since he's traveling for the job

He works in the public sector, so that would be a no. Thankfully down here, reimbursement happens much faste than when we lived elsewhere.

Re: Looking for a card no FTF low or no AF...ideas?

SunriseEarth — Fri, 17 Mar 2017 19:19:27 GMT

@Anonymous wrote:
My husband's job now has him doing international travel 3-5 times a year and none of our cards have no FTF.

He is cheap and would prefer a card with no annual fee. He would prefer something that's either Visa or MC. He has good credit and good UTIL and low INQs, so there shouldn't be any problems.

Any ideas? What's your favorite card? Why? As usual, thank you for your advice.

As many have said on the thread, Cap One Quicksilver is a good, simple answer. I believe they're using MC now and they have a flat 1.5% cashback rate on all purchases. it's very easy to redeem rewards. They triple-pull for the app, but then anything you'll need from that point forward is SP. Overall, I'd recommend this the most to meet your needs.

If a CU interests you, all of the NFCU cards are no FTF. Their cashRewards is similar to the QS, except that card has a redemption threshold (Cap One does not).

IIRC, the Nordstrom Visa does not have an FTF. If either of you are an avid Nordstrom shopper, it's an interesting option.

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Fri, 17 Mar 2017 19:59:59 GMT

The problem with store cards is you usually don't get the Mastercard or Visa version. They choose to upgrade you with no one seeming to know exactly what does it. So I wouldn't recommend Nordstrom unless you expect it to be a use only in their store card.

Your welcome for the information. I'm looking with going with a buddy of mine to Seoul next year and so I've been doing research on this very topic lately. I'm just trying to figure out if I need a card that supports a PIN myself. I know in Europe it is recommended.

Re: Looking for a card no FTF low or no AF...ideas?

galahad15 — Fri, 17 Mar 2017 20:02:27 GMT

You may want to consider the PACU Premier Privileges Rewards MC. If you have a FICO Score 2 of at least 730 or higher, it has as low as 7.5% F APR, ~1.5% cashback rewards (not exactly 1.5% even b/c they use points, more like about 1.4%), no FTF, no BT fees, and other nice benefits such as Trip Cancellation/Interruption Insurance, etc.

https://www.premieramerica.com/loans/credit-cards (it should be the first card listed by default on the page)

ETA: also the CU does not appear to have any geographical restrictions, AFAIK.

Re: Looking for a card no FTF low or no AF...ideas?

Themanwhocan — Sat, 18 Mar 2017 00:59:45 GMT

@Anonymous wrote:
@Themanwhocan wrote:
The NASA Platinum Cash Rewards VISA has no FTF and no AF. 1.5% cash back. And the shuttle launch image looks nice.

https://www.nasafcu.com/credit-cards/

The application makes it looks like you don't even have to join the CU? Or am I missing something??

Pretty sure you still have to join the credit union.

Re: Looking for a card no FTF low or no AF...ideas?

csryang — Sat, 18 Mar 2017 01:18:18 GMT

Please check out my other thread for tons of suggestions for cards without FTF and no AF:

http://ficoforums.myfico.com/t5/Credit-Cards/For-frugal-travelers-no-FTF-and-no-annual-fee-cards/m-p/4662204/highlight/true

Re: Looking for a card no FTF low or no AF...ideas?

Anonymous — Sat, 18 Mar 2017 01:47:18 GMT

@NRB525 wrote:
Ok, if he does not like even a $29 AF, the Capital One Quicksilver is the only way to go.

You could get cards from a Credit Union, but that is going to require an application process and deposit to a savings account, just to get in the lobby.

With Capital One, he can app straight up for the credit card, no hassles. Redeem the rewards from dollar 1, no hassle. Accepted worldwide, no hassle. 1.5% everywhere, no hassle. No AF, no FTF.

IMO the king of generic cash-back cards is currently PenFed's new Power Cash Rewards card because it is 2% cash back on everything (automatically if military, but everyone else can get 2% simply by dropping $500 in a free checking account). and has no foreign transaction fees.

It's like a supercharged Quicksilver. Plus PenFed is great for tons of other financial products like PLOC, other cards, low rate auto loans etc. They're great to be with and super easy to join.

Re: Looking for a card no FTF low or no AF...ideas?

SouthJamaica — Sat, 18 Mar 2017 02:18:58 GMT

@Anonymous wrote:
My husband's job now has him doing international travel 3-5 times a year and none of our cards have no FTF.

He is cheap and would prefer a card with no annual fee. He would prefer something that's either Visa or MC. He has good credit and good UTIL and low INQs, so there shouldn't be any problems.

Any ideas? What's your favorite card? Why? As usual, thank you for your advice.

Capital One Quicksilver and Venture One

Barclays Ring

PenFed Promise and Power Cash Rewards

Alliant CU Platinum Visa

Barclays JetBlue card

NFCU Platinum

Chase Amazon Prime