I'm waiting for a 4% anywhere card with no/low AF

[AverageJoesCredit]

Im waiting for a 4th Navy Federal credit card🦄🦄🦄🦄

[Anonymous]

There are such offers for a limited time.   In 2019, Citizen Bank had an uncapped 5% on everything until a certain date (same for everyone), so you could have had about 9 months if you got the card at the right time.   If enough banks had similar offers, you could maybe luck out for quite a while!

[pinkandgrey]

We're all waiting for that lol. 

[fatcomic]

We are all wating for that...

[Wavester64]

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@trant3 wrote:

This will never happen

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I tend to agree. I hate to say never - but if it does happen - won't be for a LONG time. 

[Credit12Fico]

In theory a card like this could exist with no af. But I bet the caveat is that purchases collect interest as soon as they post. 

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[PullingMeSoftly]

If a flat 4% card were to exist I would think it would be tied to a substantial assets requirement for the particular FI. Like Fidelity for example, requiring a million+ to get 3% on their card, or BoA requiring $100k for platinum honors (for a selectable 5.25% category), or Schwab and Morgan Stanley requiring asset placement for waiving/partially waiving Amex Plat AF's.

[blindambition]

If you're gonna dream, dream big...

I won't say it'll never happen, but highly unlikely. Certainly won't happen in this financial climate. Not profitable or sustainable for a lender.

We've seen CU test the 3%, and most have bit the dust. AOD seems to be the only one to actively market theirs.

[Kforce]

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@kdm31091 wrote:

4% everywhere with no AF seems like it would never happen. Interchange fees are what they are, and banks want to make money.  Without fees increasing, a 4% cash back card would just be a money loser. It would have to have a very limited customer base (i.e. a restricted credit union), high annual fee, or both. I think 3% is the highest you'll see for general spending and even that is IMO unlikely to last.

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I have  apprehension opening every email from my 3% card, thinking it might be the end.  

So far it has been advertising and monthly news letters.

Nine months and years end, so I now have  my fingers crossed.

The 3%, everywhere, no limit, no AF is my favorite card.

Will miss it even more than my 2 Sallie Mae cards.

Hope it's demise is a ways off, but have kept my backup set alive for when it does.

Don't see 4% happening, but it would be nice

[JNA1]

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@AverageJoesCredit wrote:

Im waiting for a 4th Navy Federal credit card🦄🦄🦄🦄

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👍👍

The NFCU Plutonium card!

"It's the bombdiggity!" 😂😂