Who do we like for no fee credit cards. I want something to use for online purchases with better protection than my debit card (current method for buying pretty much everything). I am not willing to pay a fee, just to have it. Interest rates are a little more flexible, as it will be paid off monthly with no balance carried over. Lower limit is fine.

I like Capital One. I use it for most of my expenses, and pay it off monthly.

Amazon Prime Visa. I buy a ton of stuff on Amazon and get 5% back on all Amazon purchases. Also get cash back on all other purchases as well.

ETA:

Yep, Amazon Prime Visa through Chase.

Jim

CapitalOne Quicksilver MasterCard. No fees and 1.5% cash back on EVERY purchase.

If you do Amazon, their own credit card is good for rewards.

If you're looking for protection, I always depend on American Express. They always go to bat for me whether it's an apple charge or something else. I'm not sure if it has anything to do with me having an account with them since 2000. Also, it's not like I call them with a dispute every other month but I do call on them every so often.

United Mileage Plus. Mrs. Angus and I get tons of miles.

Amex Everyday card works well for me. Zero percent interest for 15 months, low APR after that, and the protection is unbeatable.

Chase Amazon for 5% back on Amazon purchases (about 80% of my online purchases).

Costco Citi card for 4% back on gas, 3% back on restaurant and travel, 2% on Costco and 1% on everything else.

Chase Freedom or American Express Blue Cash/Everyday for everything else.

REI Mastercard if you shop at REI, and Target Card if you shop at Target, 5% back each.

I pretty much never pay full price for anything.

Citi Double Cash - no fee, 2% back on ALL purchases

Discover IT: 1% on all purchases + revolving 5% quarterly

Amex Everyday: 2% supermarkets + revolving 5% quarterly

These three are all I use.

Edit: just saw AZSig's post above....covers what I recommended here.

I applied for several new cards recently. They had no fee, rebates, and bonus cash for making a certain level of charges over several months. I got enough cash back to buy a new HK VP9.

Citi was good, 2% rebates, but they denied a couple of charges. Discover gave me 2% rebate and zero interest rate on an existing card, it is my default choice.

Chase, Capital One and Bank of America offered 1 1/2% rebates. Capital One had up to $500 cash back on a business card.

Wells Fargo seemed like a good offer. But they then denied every charge I attempted, so I cancelled the card.

Please, never use a debit card for on line purchases. Never!

CITI Doublecash. 2x on all purchases. (assuming you pay them)

I went through this fairly recently. Was dissatisfied with my Fidelity card that was only paying 1/2% true cash back, 1% if it went to my Fidelity brokerage account. This is what I ended up with:

PayPal through Synchrony Bank. 2% cash back on all purchases. Goes to your PayPal account which can be linked to your bank account. Simple transfer is cash in your bank account.

Citi card double cash back; 2% cash back all purchases.

Capital One 1 1/2% cash back all purchases. Got a special introductory offer of $150 cash back for spending $500 or more in first three months. That was easy.

Discover card. Various cash back rates for different things. Has 5% cash back revolving types of places. Eg. currently Wholesale Clubs and gas stations. In addition, my introductory offer includes matching cash back for the first year.

The only problem with this is paying close attention that you pay all your bills on time; I never had so many cards to watch before.

Another vote for Amazon Prime by Chase. They called me when they noticed someone trying to pay for a $87 Uber ride some months ago. Said it wasn't me and they slammed the door on the card and sent me a new one within 2 or 3 days.

5% on Amazon purchases and just got a email saying I get 5% on all dining purchases for the next year or 8 months something like that.

Amazon card - 5% back at Amazon
Target card - 5% back at Target
USAA Cashback VISA - 2.5% cashback on ALL purchases (best cashback card in the industry)
Chase - 5% back on rotating categories
USAA American Express - 5% back on gasoline (Combine with Shell fuel rewards 5 cents off per gallon, nets about 7% cheaper fuel than the next guy)
American Express - 3% back on groceries

These are the cards I use every day. Using the right cashback card nets me thousands of dollars of cash back, every year. That's free money, in my bank, just by using the right card for the purchase. Of course, I pay them all off monthly, so the APR financing doesn't eat into the savings. The USAA Cashback card by itself nets me about $100/month in cash back, deposited right into my checking account. That pays the water bill every month.

No dice on the Amazon card. Dealing with them is why I am looking to replace a card in first place. I would rather not continue to do business with them. I will look into the others on my next day off. Thank you.

I just use the Visa issued by my credit union.

No fee, and 1.5% cash back on everything. It's much simpler I think to manage and pay. Just a transfer between accounts via online that happens usually instantly.

Plus I have a local contact I can go eyeballs with if need be.

The only other card I have is Lowes, for the 5% off purchases.

Online, I use BoA and the ShopSafe feature which generates a one time use number with a limit and duration you specify. One time use so I don’t worry if the card number isn’t protected.

quote:

Originally posted by Jimbo54:
Yep, Amazon Prime Visa through Chase.

Jim

+1