Re: Looking for a card no FTF low or no AF...ideas... - Page 2 - myFICO® Forums

NRB525 · ‎03-17-2017

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.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

CreditInspired · ‎03-17-2017

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

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K

Anonymous · ‎03-17-2017

@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.

SunriseEarth · ‎03-17-2017

@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.

Anonymous · ‎03-17-2017

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.

galahad15 · ‎03-17-2017

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.

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

Themanwhocan · ‎03-17-2017

@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.

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

csryang · ‎03-17-2017

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...

Anonymous · ‎03-17-2017

@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.

SouthJamaica · ‎03-17-2017

@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