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What are some Good cards with no annual fees?!

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ScoreSizzle
Frequent Contributor

What are some Good cards with no annual fees?!

Looking to grab two new cards... looking at the Discover IT but not sure on the other...

What's good?

Any feedback on good cards that give pretty decent time limits would be great.

All about that utilization being lowered 🐵

Thanks in advance.

-Sizzle

Cap1 Quicksilver || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa || Marriott Bonvoy Boundless
Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: What are some God cards with no annual fees?!

Discover IT didn't give me a great limit. Although I am not sure what limits you are looking for? Have you already submitted to raise your limits on the cards you do have? AMEX is usually pretty generous. 

Message 2 of 22
mongstradamus
Super Contributor

Re: What are some God cards with no annual fees?!

FU and ED are nice ones if you want to think about accruing MR and UR for travel. 

 

Citi DC, Cap one QS and one of the many 3-2-1 cashback cards if you want cash back are ones that come to mind. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 22
Anonymous
Not applicable

Re: What are some God cards with no annual fees?!

BoFA Cash Back 321 card is really good because it has NO AF, good rewards, and from what I've seen posted here, they're very lenient on credit limits. You might need to use an HP or two, but you'll get high limits with them.
Message 4 of 22
Credit_hawk
Established Contributor

Re: What are some God cards with no annual fees?!

I agree that BOA is a good card and they've been good to me so far. CITI DC, and Discover IT. BOA is a bank where I feel it's good to have a relationship with as they are useful with mortgages and other loans. They seem to be pretty generous.

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 5 of 22
austinguy907
Valued Contributor

Re: What are some God cards with no annual fees?!

Discover has 2 flavors... IT and Miles.... both offer double rewards for the first year!  Also, they will start lower than you would expect but they grow greatly with patience and persistence.  I started out at 4500 and grew to 36K in the matter of a year or so.  They take a little work but can't beat the SP increases every 30-90 days.

Message 6 of 22
Credit_hawk
Established Contributor

Re: What are some God cards with no annual fees?!


@austinguy907 wrote:

Discover has 2 flavors... IT and Miles.... both offer double rewards for the first year!  Also, they will start lower than you would expect but they grow greatly with patience and persistence.  I started out at 4500 and grew to 36K in the matter of a year or so.  They take a little work but can't beat the SP increases every 30-90 days.


That's some impressive growth. I think I'll start using it more. Were you putting a few hundred a month then just SPing frequently? Ever successfully get 2 CLI's in under 30 days? I've seen some posters say they got 2 in a week before.

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 7 of 22
CreditCuriosity
Moderator Emeritus

Re: What are some God cards with no annual fees?!

Fidelity, Blispay(2% cb - 6 months 0% apr financing), Discover It/miles(first year primarily), Marvel (3% back on Amazon, eating out, entertainment, etc), merrill lynch (just for sign-up bonus alone 500-1k after that kinda stinks.  Other cards depending on spend even being 5% cat cards would take along time to make up this bonus).   Quicksilver 1.5% no hassle, no min redemption is nothing to sneeze over either.   Just a few off the top of my head.

08 Scores - TU: 839 - EXP:839 - EQ:838
Message 8 of 22
austinguy907
Valued Contributor

Re: What are some God cards with no annual fees?!


@Credit_hawk wrote:

@austinguy907 wrote:

Discover has 2 flavors... IT and Miles.... both offer double rewards for the first year!  Also, they will start lower than you would expect but they grow greatly with patience and persistence.  I started out at 4500 and grew to 36K in the matter of a year or so.  They take a little work but can't beat the SP increases every 30-90 days.


That's some impressive growth. I think I'll start using it more. Were you putting a few hundred a month then just SPing frequently? Ever successfully get 2 CLI's in under 30 days? I've seen some posters say they got 2 in a week before.


I typically just put a monthly cable bill on it and maybe use it a couple of times per month besides that for little things.  Several 2 day and increases.  Here's a post I did for the first year with the card.

 

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/My-first-year-with-Discover-Data-Points/m-p/47...  

(not included is my 10/1 CLI for 6K after switching my stratgey to every other month from so frequently as in the post.)

 

Discover likes to roll low and slow when it comes to spending.  There's tons of posts about people maxing and paying a couple times per month and then only getting $500 CLIs on it.  

Message 9 of 22
Anonymous
Not applicable

Re: What are some God cards with no annual fees?!

USAA Limitless if you qualify, NFCU cards, Amazon store card.

Message 10 of 22
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