Which is easier?

[Anonymous]

Is it  easier to get a credit card with a yearly fee or is it easier to get one without the yearly fee?

[Anonymous]

Not sure there is a hard and fast rule.  There are cards without annual fees that have higher interest so and vice versa, also some cards have points/incentives that would get taken into account.  I am still rebuilding and have about a few with annual fees and the rest don't have any. 

[Discover2016]

I would say that it depends, example: the Amex BCE with no annual fee is harder to qualify for than the Capital One QuickSilver One, which has a fee.

[Mattopotamus]

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@Discover2016 wrote:

I would say that it depends, example: the Amex BCE with no annual fee is harder to qualify for than the Capital One QuickSilver One, which has a fee.

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This.  It completly depends on the card.  The Citi Prestige is probably harder to get than the Citi Doublecash.  With that said, annual fee cards try to offer you more than free cards so a general rule would be they are harder to get (amex platinum, citi prestige, visa black/gold)

[takeshi74]

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@Anonymous wrote:

Is it  easier to get a credit card with a yearly fee or is it easier to get one without the yearly fee?

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AF doesn't mean anything in and of itself aside from the fee that one will pay.

Different creditors and products have different underwriting criteria.  You cannot make such a broad, sweeping generalization based on AF alone.

For exampe, there are cards targeted towards builders and rebuilders that have AF's.  There are cards with tougher underwriting critieria that do not have AF's.

Instead of relying on what you perceive as easy, learn about credit and assess your own credit.  Determine your needs/wants and then find cards that suit you.  AF can be a consideration but it should not be the only consideration.

[happypill]

It depends on why the particular card has an AF.  If it's a card like the Citi Prestige or Amex Platinum (or any number of high-end cards), the fee is in place because the card offers amazing benefits that cost money.  In those cases it probably means the card is not easy to get.

On the other hand, some cards have AF because they are targetted at people who have no choice but to pay the AF.  I believe almost all secured cards have some sort of AF, most of the predatory CCs like Credit One have heft AFs, and the rebuilder cards with certain lenders such as the QS1 have AFs.  Basically, it's the cost to play ball because the borrower isn't eligible for anything else.  In these cases the AF probaly signal that the card is easy to get, but you have to subsidize the underwriting with your AF.

[Anonymous]

Amex for example the pencil pushers are counting on not everyone using great airline credit and amexoffers to offset the fees, and with the credit one crowd they are just simply counting on people signing on and forgetting about it.

[SOGGIE]

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@happypill wrote:

It depends on why the particular card has an AF.  If it's a card like the Citi Prestige or Amex Platinum (or any number of high-end cards), the fee is in place because the card offers amazing benefits that cost money.  In those cases it probably means the card is not easy to get.

On the other hand, some cards have AF because they are targetted at people who have no choice but to pay the AF.  I believe almost all secured cards have some sort of AF, most of the predatory CCs like Credit One have heft AFs, and the rebuilder cards with certain lenders such as the QS1 have AFs.  Basically, it's the cost to play ball because the borrower isn't eligible for anything else.  In these cases the AF probaly signal that the card is easy to get, but you have to subsidize the underwriting with your AF.

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^^^ Yes