I am looking for a simple, no rewards card

Anonymous · ‎12-01-2015

So thing about me is I can justify exorbitant purchase and not pay it off if I have rewards not sure why, but that's how I operate.

I am looking pretty soon to get amother simple card. Right now:
Boa bbr 140/3000
Chase Slate 300/1000
Chase Freedom 1000/7000
Pers LOC 1200/2500
Kay 200/7400
2 inquiries last 6 months. 3 overall.
AAOA is about 4 years
Fico all currently at about 680-690

Any word on some good simple cards out there? I was maybe going to try for usbank platinum or wells platinum. I heard you need very excellent credit for wells though? And of course 0% offers are always a plus

galahad15 · ‎12-01-2015

Perhaps you might want to consider the Barclay Ring MC? Across-the-board 8% V APR for purchases, BT, and cash advances. Also no BT fee and only a $3 charge per cash advance.

Edit: corrected typos

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 8.74% V, $15k

EPFCU Smart Rewards MC @ 9.50% V with 1% rewards, $6.5k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% category rewards (Preferred Rewards status), $50k

FNBO BucksBack VS @ 10% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 11.74% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 12.99% V with 1.88% rewards (Preferred Rewards status), $17.6k

Cap1 Venture MC @ 13.65% V with no AF, 2% rewards, $18k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 15.74% V with 3.75% category rewards (Preferred Rewards status), $14.3k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 16.74% V with 5%/3% category rewards, $12.5k

PenFed Pathfinder Rewards VS @ 16.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards MC @ 17.74% V with 3.75% category rewards (Preferred Rewards status), $20.4k

AOD FCU VS @ 17.99% V with 3% rewards, $7.5k

Amazon Prime VS @ 17.99% V with 5% category rewards, $35k

US Bank Cash+(x2) @ 18.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 18.5% V with 3% category rewards, $12.5k

PayPal CashBack MC @ 18.74% V with 3% on all PayPal purchases/1.5% on all other purchases, $25k

Cap1 T-Mobile VS @ 18.99% V with 5% on all T-Mobile purchases / 2% on all other purchases, $12k

FNBO BucksBack VS @ 19.74% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 21.74% V with 5% category rewards, $39.32k

Citi Custom Cash WEMC @ 21.74% V with 5% category rewards, $5k

WF Bilt WEMC @ 22.74% V with 3% dining rewards, $30k

Amex BCE @ 24.74% V with 3% category rewards, $25k

WF Attune WEMC @ 28.74% V with 4% category rewards, $2.5k

PayPal Credit MC @ 29.89% V with 0% for 6 mos. on all PayPal purchases $149+, $10k

Anonymous · ‎12-01-2015

security service FCU has one at 6.49% but based on your limits i guess your scores are 680-710?

CYBERSAM · ‎12-01-2015

Quicksilver! They offer few months 0% APR and with no AF you if don't like the reward points that you get, you can donate it. They got button for that

Anonymous · ‎12-01-2015

okay so they say they don't want rewards so you offer a rewards card... that's optimal.

Anonymous · ‎12-01-2015

@CYBERSAM wrote:
Quicksilver! They offer few months 0% APR and with no AF you if don't like the reward points that you get, you can donate it. They got button for that

Yes. Trying to think of others. My credit union cards and Barclay Ring are the only cards that come to mind.

Kidcat · ‎12-01-2015

I 2nd Musiclover...I would look at CU or Ring, and frankly CU first for sooooo many reasons, primarily being that Barclays can be a fickle lender (I've had no issues but the forum is full of Barclays AA stories)

Last app 09/21/2021. Gardening Goal Oct 2023

icyhot · ‎12-01-2015

Citi Simplicity! Almost a 2 year 0% APR period, and once it runs out Citi is great with APR reductions

Anonymous · ‎12-01-2015

I would still open a 2nd BBR. Lol.

If you want low rates go to your local credit union. They tend to offer higher limits than ring for scores like yours.

Nasa would be good but not as low of a rate.

Themanwhocan · ‎12-01-2015

The Big Ticket Card. https://www.coastal24.com/visa/big-ticket-card.html

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800