Credit Card Forum
  1. #1
    lolcats
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    Default help me pick a credit card please

    1) Does Chase Freedom w/ Ultimate Reward have annual fee? I know Chase Freedom is said to have none but I've heard there's $25 fee to get in Ultimate Reward Program.

    2) What are some of the best cash back CCs with no annual fee..mainly for shopping online and on stores. I've got Discover and it's great but curious if there are some other out there.

    3) I want a mastercard...any recommendation? No annual fee of course...and a good cash back program would be great.

    Thanks a bunch!
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    Reply With Quote Reply With Quote     Feb 5, 11, 7:39 pm
  2. #2
    CreditCardGuru
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    I have not heard of the Chase Freedom charging a fee for the Ultimate Rewards Program. Where did you read that?

    The best rewards credit cards for no annual fee with rewards can be found on this sponsored ranking page:

    Best Cash Back Credit Card Reviews

    Please let me know if you have any questions.

    -CreditCardGuru
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    Reply With Quote Reply With Quote     Feb 10, 11, 7:14 pm
  3. #3
    lolcats2
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    uh i forgot details of my account so had to reregister, hope that's alright.

    $25 fee was something that I heard a while ago...I can't remember where or who from. Just thought I would ask.

    I checked the link you provided...out of the one listed, I already have Discover (LOVE IT!) and Freedom.


    American Express Premier Rewards Gold Card is a NO-NO for me...it has annual charge.

    American Express Blue Cash...need to spend some amount before one can maximize the card...not for me.

    Citi Forward Card looks better but I'm not sure atm.

    =====


    The main thing I'm look here is
    1) No annual fee whatsoever. I don't care about "first year is waived" and then XYZ afterward. No annual fee, period.
    2) Get reward/cashback for shopping through said card, like "shopdiscover" or "ultimaterewards".
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    Reply With Quote Reply With Quote     Feb 11, 11, 2:28 pm
  4. #4
    CreditCardGuru
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    If the card must have no annual fee, not now and not in the future, then here are two other sponsored recommendations I have:

    For restaurants/fastfood/movies/music/bookstores then the Citi Forward card you mentioned would be best.

    For all other purchases: American Express Blue Sky gives 1.33% rewards without tiers

    Then continue using your Citi Forward and Discover More for their rotating 5% categories and you should come out with a great percentage on average.

    -CCG
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    Reply With Quote Reply With Quote     Feb 17, 11, 6:31 pm
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