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[Anonymous]

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@Anonymous wrote:

OKAY. DONE.

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lol, ok. Well, you have pretty much every non Capital One card that will have a bonus with no annual fee. The only thing you can do is apply for cards with annual fees and then cancel them when the annual fee comes due or try to get the annual fee waived when it is due. Chase Sapphire Preferred gets u 40000 points when u spend $4000 in 3 months, which you can combine with your chase freedom points. The annual fee is waived first year. I know it is above your $2000 spend limit, and you'd have to pay in full to avoid the interest. How long ago did Cap One deny you and what was the reason?

[heyitsyeh]

If you're willing to stomach a small pro-rated AF differential, you could get the EDP instead of the ED and then downgrade as soon as you get the bonus. Last I checked EDP bonus was 5k greater than ED.

[Anonymous]

but op has ED so why have both ED and EDP? ugh half of you guys don't read. specifically stated NO AF and almost every card you all are suggesting has an annual fee. if the op has 9 cards in 10 years it doesn't seem they're keen on closing it in a year. come on guys lets HELP and quit just blurting out answers.

[Anonymous]

Thanks for reading my post and trying to help me. Primarily I registered an account and made this thread because I want to sign up for this 'new' credit card within the next week. I don't want to wait much longer, because I do have several thousands of dollars in credit spending needed in the near future. And it usually takes 7 - 10 days to get a new card.

The two cards I mentioned in my original post.. the Alliant and one of the new TD Ameritrde offerings.. SEEM to be the best deals with NO ANNUAL FEE. But I'm curious to read more experiences from people with getting these cards approved and not denied. Because Alliant and TD Ameritrade don't have that many reviews on here or elsewhere on the Internet. I just want to make sure I can get either one of those.

Also, I thought people might be able to suggest another NO ANNUAL FEE with a great bonus right now. But yeah, the NO ANNUAL FEE part is truly part of my requirement. As I'm tired of closing annual fee cards and absolutely don't want to pay an annual fee, as the main benefit I usually get from credit cards is the sign-up bonus.

Any more experiences or ideas from anyone?

[Santi78342]

Chase AARP card gives $100 after spending $500 in three months. The card gives 3% cash back at restaurants all year with no cap.

[Anonymous]

First time hearing about this card. I'll do a little research on it. Thank you!

Do I need to meet an age requirement to apply for the AARP card? I once signed up for a free product from AARP and I have been receiving spam mail from them for years! But I am a younger guy. I'm not retirement age, etc..

[Santi78342]

Also the Citi Thank You Preferred is giving 20,000 points after spending $1,500 in 3 months. 

[Santi78342]

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@Anonymous wrote:

First time hearing about this card. I'll do a little research on it. Thank you!

Do I need to meet an age requirement to apply for the AARP card? I once signed up for a free product from AARP and I have been receiving spam mail from them for years! But I am a younger guy. I'm not retirement age, etc..

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Nope, not at all. The app will ask for an AARP member number but you can leave it blank. I am 24 and use to have the card but I closed it because I got the CSP and that's where all my restaurant spend went. 

[Anonymous]

Just curious.. there's no AF with the AARP card.. why did you decide to close it? I think you should leave card lines open if there's no AF even if you don't use it.. in order to build credit age. But again, thanks for the suggestion. This card DOES look good.. Maybe I could sign up for the Alliant card + the AARP card.. put $500 spend on each card and get $100 + $100 bonus for $200. That would be sort of like doing a small app-o-rama applying for two cards at once.. Alliant and Chase.. I've never done that before.. in the past only applied for one card at a time.

[Anonymous]

I have a Citi checking account that I hardly ever use.. but it's been open for a few years.. but I always worry about applying with cards with a 'new' company..

Again, my bad experience with being denied by Capital One 2x for the same product was very disturbing.. as far as I know they had no reason to deny me.. and some Capital One cards are supposed to be easy to get.. I applied for the Quicksilver and was denied.. and Capital One was the first and only company to ever deny me credit..

So I don't know whether a company like Citi will deny me or not.

I've always had good experiences with 100% of the time being approved for Chase, Bank of America, and AmEx.