Apply for a good Visa credit card with no annual fee?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
4 posts
ajumbaje
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Apply for a good Visa credit card with no annual fee?

Postby ajumbaje » Tue Jan 29, 2013 10:06 am

I am looking to upgrade from my secured card and have a visa in case my discover doesn't get accepted somewhere. I am looking at the amazon visa, then the citi simplicity. I have had credit established for about a year now.

I have applied for a couple of cards since getting my discover card earlier this month, mand have been declined. Amex blue cash everyday and Capitalone VentureOne rewards

I am currently pending on the amazon one.

Any other card suggestions? My secured card has an annual fee and I don't want to deal with that if I just have this card as backup.


smills228
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Postby smills228 » Sat Feb 02, 2013 6:31 pm

The Amazon Visa is pretty great, in my opinion. I don't like keeping track of the rotating programs, so I like the steady 2% on gas/restaurants/drug stores/office suppleis & 1% everywhere else. I really don't use it that much--my daily driver is an American Express--so I don't mind that I'm not exactly "maximizing" rewards.

The Simplicity card isn't the greatest because of its lack of a rewards program. I applied for it to take advantage of the 0% offer--the lack of rewards is being made up by the interest on all that money sitting in my savings account ;) . I wouldn't recommend it for anyone who doesn't need/plan on using the 0% offer, though.

It seems like you've done a lot of Credit Card applications lately (Discover, Amex BCE, Capital One, and maybe Amazon). You might find that all of those inquiries are what's holding you back. I would wait a few months to let your credit age more and put some distance between you and those inquiries, then apply again. While it'll be 2 years before those inquiries fall off, they're most damaging to your credit in this few months to a year; for all the banks know, you've got new accounts with huge credit limits from those companies that just aren't reporting yet!
American Express Premier Rewards Gold
American Express Business Gold Employee Card (Authorized User)
American Express Gold Delta Skymiles
Discover More
Chase Amazon Visa
Citi Simplicity
Capital One Journey

DavidNY
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Postby DavidNY » Sat Feb 02, 2013 6:36 pm

Priceline Visa has 2% rewards.

Money card
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Postby Money card » Mon Feb 04, 2013 8:08 pm

HMMM have to think about this one, you want no annual fee, you were turned down for a capital1 venture1 card also the Blue cash card.

whereever you having a checking account (assuming it's not a chase branch or citibank etc) a local bank or credit union, have you asked them if they issue any visa credit cards?

since you have a Discover have you thought about any store credit cards like the Macys American Express, Nordstroms visa?



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