Hey yall! As the title said I'm just looking for a simple 2% cash back card with no AF. A SUB would be nice but its not a make or break thing for me, I haven't been "in the game" for very long but I'm just trying to round out my current setup. I'm currently a student so a very high CL isn't very important to me either, I rarely spend more than $1,000 a month. I'd also like no FTF as I travel abroad once or twice a year.

    • Current cards: (list cards, limits, opening date)
      • C1 Savor $3000, September 2025
      • Chase Prime Visa $1000, December 2025
    • FICO Score: 748
    • Oldest account age: 7 months
    • Chase 5/24 status: 2/24
    • Income: e.g. $16000
    • Average monthly spend and categories:
      • dining $300
      • groceries: $150
      • gas: $0
      • travel: $20
      • other: $400
    • Open to Business Cards: No
    • What's the purpose of your next card? Building credit and cash back
    • Do you have any cards you've been looking at? I've been pre-approved for the U.S. Bank Smartly Visa Signature card but I'm pretty sure there's a catch I'm not understanding? For clarification I do not have any accounts with US Bank at all so the extra rewards I would get from that are unavailable to me, but I just want the 2% back regardless and the benefits is something I can expand into later.
    • Are you OK with category spending or do you want a general spending card? General spending, will be my catch all

    I'd prefer not to get a travel card though, I'm already an AU on my dad's VX and we're both okay with just leaving me as an AU and me paying the lounge access fee every year as its significantly cheaper than me opening up a VX of my own.

    Thanks!

    Looking for a flat 2% back no AF
    byu/lizard_buddy inCreditCards



    Posted by lizard_buddy

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