What are the notoriously hardest to get approved for No Annual Fee credit cards?

[youdontkillmoney]

In the hunt for NO ANNUAL FEE credit cards, which are notorious for being hardest to get approved for?

To be clear, I am looking for NO ANNUAL FEE cards only.

In my sig I already have Simmons and IberiaBank as no annual fee cards (the fee cards I have are AMEX plat and Citi Prestige so I am NOT looking for anymore annual fee cards)....any others?

Looking forward to hearing your thoughts....

[AverageJoesCredit]

Wow, you truely are selective.

[AverageJoesCredit]

Maybe something from City National Bank?

[Anonymous]

If you go for business cards, Chase INK cards tend to be selective.

[pinkandgrey]

It really depends on the applicant. For me, getting a BofA Cash Rewards card is about as likely as flying to Neptune.

Chase is known for being tough, but there are plenty of approvals all the same.

Getting a WF or USB card without a preexisting relationship can be difficult, though not impossible.

Anything from FNBO lol as they are quite conservative.

One really can’t say that there’s any card out there that is universally hard to get. It depends on the person/credit profile.

[youdontkillmoney]

Thanks for the suggestion. City National Bank was something I looked into back in 2014 (opted to apply for Simmons and IberiaBank instead since both Simmons and IberiaBank offered low APRs and more highly coveted). City National Bank is now owned by RBC whereas previously they touted themselves as catering to high net worth individuals. Not sure what their biz model is now after being bought out.

Not going to apply for City National Bank, doesn't interest me for the above reasons. Thanks for the suggestion. 

[youdontkillmoney]

Thanks for replying...forgot to say not interested in biz cards either...so Chase INK is out of the question.

[Anonymous]

Each to their own etc, but why this goal?  Cards like Simmons and Iberia don't have significant value (at one stage the APR was very good, but now lots of places offer a lower one).   And very regional CUs are much harder to get that either of those, simply because of geographical requirements.

So is it just satisfaction of getting something that a relatively few people would recognize as hard!

[youdontkillmoney]

FNBO peaked my interest, thanks for suggesting. I went to their website and it asks for my zip code, punched it in being from Los Angeles, CA and a msg popped up stating they don't do biz in Calif so I was not able to go any further.

Some brief history here, I had over 12+ CCs in the past but whittled it down to 4 listed in my sig to be more selective. So the ones you mentioned BOA, WF and US Bank I've had in the past but cancelled since I only wanted a very "select" group of CC's. Here's my cancelled cards from maybe 5+ years ago:

-Barclays Black Card

-Capital One

-Capital One quicksilver

-Citi simplicity

-Diners Club Carte Blanche

-Discover

-JCB

-Juniper (biz card)

-Merrill +

-US Bank

-WF

-LA Financial Credit Union

-PenFed

-Chase Freedom

-Citi diamond

-Barclays Arrival

-HSBC

-BOA

-AMEX Biz Plat

So I am not interested in getting any of the above cards again

Any other hard to get obscure cards like Simmons or Iberia I should look into (that allos apps from Calif residents)?

[youdontkillmoney]

Originally I got the Simmons and IberiaBank because of their very competitive interest rates but I suppose the value prop has decreased if other places also offer compettive rates as Simmons/IberiaBank too.

I guess I was just asking to see if I am unaware or missing out on obscure CCs out there I have not heard of and should look into.

Perhaps not then based on what you're telling me.

I do ok with these 4 right now, satisfies my purchasing needs.