Hi I've only gotten into credit cards these past few years but already applied for a bunch of cards (all with no annual fee).
I've got like 10 cards now and am considering stopping here for a few years before revisiting to see if anything new has come out.
But before I called it quits wanted to just check if there are any cards that are already available and would be useful to have?
My current cards are mostly just a lot of 5% cards. It is a bit much to keep track of, and I haven't been using them all, but I figured they're at least useful to have.
My cards:
* US Bank Smartly – 4% cashback. I expect this to go away in the future but this has been my primary card for most things
* 2 Citi Custom Cashes – 5% on one category. I like that I don't need to select the category
* 1 Citi Double cash (just got this, will try to change into a 3rd custom cash)
* Chime Secured Credit Card – 5% on one category, also just got this, and it's nice since I use their Savings for quick transfers, but it is indeed less convenient to use than Citi Custom Cash
* Paypal Debit Card – 5% on one category, I don't really use this because it's also not too convenient, but have it
* US Bank Connect – Don't use this card but it gives me 4 free Priority Pass visits and TSA precheck just for having it
* US Bank Cash+ and Elan Max Cash Preferred – 5% on 4 chosen categories. I have these set to Utilities, Streaming, Entertainment, and Recreation
* Chase Flex – 5% on rotating category, just use for like Amazon
For FTF free cards:
* Fidelity Rewards – 2% cashback
* Capital One Savor – 3% on some stuff
So in total that's 11 credit cards. I'm just about done, but wanted to check if there's anything I'm missing before I call it
Thanks!
Any useful no annual fee card I'm not aware of or have?
byu/DontForgetTheTime inCreditCards
Posted by DontForgetTheTime
9 Comments
I mean, there are so many useful no-AF cards out there, but it’s a matter of whether they would be useful to you. Are there things that your current setup doesn’t do that you would like it to do?
Why not just get the Amazon prime visa, since I assume you have prime? Then you get 5% on Amazon year round.
WF Autograph is a good travel card with no AF or FTF
A good feee travel card would be the Wells Fargo autograph but idk if they would approve you because it seems your velocity is too high. Also don’t be afraid of AF cards. I was once anti AF cards but there is a lot of value in them and now I have the Amex gold and BBP set up along with the Bilt palladium
SRI FCU Visa has no AF or FTF, but a wide range of travel protections and insurance.
Wells Fargo Autograph – no foreign transaction fees, 3% on all travel (including parking, local transit, tolls), dining, gas, streaming, phone plans
Rakuten card is great!
Rakuten CC.
Paypal Cashback Mastercard is the best cashback card for paying taxes.