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Best credit cards 2023 reddit?
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Best credit cards 2023 reddit?
Citi Custom Cash® Card: Best Rewards Credit Card for Flexible Cash Back. Best for cashback: Amex Cashback Everyday Card. I'm likely going to downgrade the platinum to the gold and change the discover to something better. Top 3 Credit Cards of July 2024. It offers both bonus rewards and a higher-than-typical flat rewards rate, which makes it a great standalone. 2 cards: Amex Blue Business Plus and Amex Gold. That’d bet you 400k points for 33k in spend. OCBC 365 3% - monthly cap 2 HSBC Revolution 2 HSBC Advance 28k, min spend 2k. r/CreditCards WashingtonGuy123. at Bank Of America’s secure website. Chase Freedom Flex®: Best for Quarterly categories + cash bonus. Learn about the features, benefits, rewards and offers of various cards. And, if my setup here contained more non-Visas, I would also list the Curve card for the automatic diversion of spending to the correct card based on configurable rules, but they don't support Visas and honestly this setup is pretty straightforward and easy to figure out what card to use where, so it doesn't add the same value here as it does. If you're looking for the right 0% apr credit card for you, this list of SmartAsset's best 0% apr cards will help Calculators Helpful Guides Compare Rates Lender. When looking for a credit card for travel, it’s important to determine which benefits are right for you In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings While some experienced borrowers worry about how many credit cards, others have different priorities. If you are an Amazon loyalist, then Amazon Pay ICICI Credit Card is the best credit card in India for you, since you can earn up to 5% cashback on Amazon spends. There is a $395 annual fee but you get $400 in benefits credit making the annual fee wash. When looking for a credit card for travel, it’s important to determine which benefits are right for you In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings While some experienced borrowers worry about how many credit cards, others have different priorities. Whether you're looking for a card with excellent cashback rewards, travel. Compare features, benefits and rewards from Forbes experts. Jun 13, 2024 · We came across very few instances of the profane or hyperbolic language so prevalent on today’s social media platforms. Fortunately, there's an easy solution for crypto owners: crypto cards. FNBO Evergreen, $6,700 limit, 05/2023 Gemini Credit Card, $25,000 limit, 11/2022 WF Reflect Card, $3,000 limit, 10/2023 Plus a bunch of Credit Union cards and Store cards that I didn’t list in the interest of time and space. 6 best RBC credit cards for July 2024. I am a long timr BPI client so I got my first CC with them, and got approved easily. I have the Apple Card, a credit score of 770 and I've been building credit since 2019. Best balance transfer cards ~$2k in 2023. Best Credit Card for Incoming College Student? I need help knowing which checking account and attached credit card account I should use to get paid for summer/part-time internships. The Capital One Venture X business card offers the potential to earn a welcome offer of 150,000 bonus miles. 1 day ago · Having these cards in your wallet gives you access to great cash back rewards, a big initial bonus, travel rewards and 0% financing. For category spending, much better does usually exist for the common categories [deleted] 10 Top Credit Cards in India. Wells Fargo Active Cash® Card: Best for Flat-rate cash back. We came across very few instances of the profane or hyperbolic language so prevalent on today's social media platforms. July 2024's best credit cards to build credit are selected by WalletHub editors from 1,500+ credit card offers. Wells Fargo Autograph℠ Card: Best for no annual fee. 99% intro APR on Balance Transfers for 6 months24%-27 Annual fee $0. The BankAmericard® credit card is the new winner in the best balance transfer category due to its 21-month 0% APR period on balance transfers. That’d bet you 400k points for 33k in spend. May 18, 2024 · Blue Cash Everyday® Card Regular APR: 1399% Variable APR. Browse the best credit cards of 2024 for cash back, travel rewards, 0% APR, credit building and more. Synchrony Crate & Barrel CC, $10,000 limit, opened January 2022 (purchased couch and opened for rewards $) PayPal Credit line, $1,500 limit, opened November 2018. Top 5 Student Credit Cards (2023) Archived post. The Venture X is a good card. Chase Freedom Flex, $9700 limit, May 2022. We would like to show you a description here but the site won't allow us. A few hours ago a Discover customer service representative told me that they will now be announcing the 5% cash back categories one quarter at a time, similar to the Chase Freedom and Freedom Flex, instead of releasing the calendar for the entire year all at once. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Best Credit Cards for Salaried Individuals Standard Chartered Platinum Rewards Card Axis Bank Insta Credit Card. The overall impressions of the best credit cards to have are: Some Redditors on r/CreditCards commented that there are a variety of options to choose from depending on your preferences, like the Sallie Mae Mastercard, Citi Double Cash, Fidelity Amex, and Chase Freedom. Best 0% intro APR card for earning rewards on groceries $0 All information about Amex EveryDay. Citi PM - mid mile earning, lounge access for 2. We have further listed the 25 best credit cards in India across multiple categories- Cashback & Shopping, Rewards, Travel, Premium, and Fuel. Learn from other users' insights and tips. May 30, 2024 · First Progress Platinum Prestige Mastercard® Secured Credit Card: Best Secured Card for Bad Credit. 1 day ago · Browse the best credit cards of 2024 for cash back, travel rewards, 0% APR, credit building and more. Chime Secured Credit Builder Visa® Credit Card: Best for Easy account. The Freedom Unlimited provides a better catch-all than what the travel cards themselves have, and the Flex provides 5x points on rotating categories. So the Q 2023 5% category is not completely surprising. Reddit has been slowly rolling out two-factor authentication for beta testers, moderators and third-party app developers for a while now before making it available to everyone over. Minimum monthly income requirement: ₱16,666 The HSBC Red Mastercard is the best credit card in the Philippines for frequent shoppers. Eastwest Krisflyer - low forex, high mile earning. After that you can look into Chase Sapphire Preferred/Reserve, and Amex Plat. BofA Unlimited Cash Rewards 2 As for non-Chase business cards, those are great to get for now too since they won't take up 5/24 slots (since they don't show on your personal credit report). Strategy: XLM best choice for now. Recommended Providers (WRPs) for 2024. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Advise looking into secured card- once approved, you'll be required to deposit a dollar amount ($200, 500, 1k, 2k) and that will be your credit limit. We would like to show you a description here but the site won't allow us. The best beginer friendly CC available in the market imo is the Amazon - ICICI card. However, that can be a positive. These days, using the right credit card to buy groceries can earn you a free trip to Florida John S Kiernan, WalletHub Managing EditorNov 22, 2022 The main difference between debit cards and credit cards is that debit cards are linked to a checking account and funds are pu. Likely, any new card will have a 0% APR period for purchases - some up to 18+ billing cycles. The problem is, they're not letting me charge ~$20K to the card even though it's within my $22K credit limit. Meron naman credit cards na NAFFL na talaga by default, but the downside is wala syang rewards points. Aeroplan® Credit Card: Best Midtier Airline Card. Choose a reputable bank or issuer: Chase, Capital one, citi. Using a low interest credit card can save you big while helping you minimize debt or get rid of it more quickly. Chase Freedom Flex, $9700 limit, May 2022. 1% - 6% $0 intro annual fee for the first year, then $95 1999% Variable. Receive a $300 annual credit for bookings through. gate wheels tractor supply And without properly planning on how to use the miles it accrues, it essentially becomes a glorified 2% cash back card with limitations on redemption. A subreddit for discussing credit cards. If you redeem over 50,000 points a year on delta flights, the card pays for. My top 3 cards. The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Elan Max Cash - 5% on entertainment and internet and streaming. Having these cards in your wallet gives you access to great cash back rewards, a big initial bonus, travel rewards and 0% financing. We reviewed 13 popular credit repair companies based on 19 data points in the categories of stability, reputation and customer satisfaction, customer experience, services, and cost and fees We would like to show you a description here but the site won't allow us. Personal loan interest rates typically range from 7% to 36%. This would naturally mean I desire a no-fee card and cash-back rewards. Plutus - It is my main crypto card at the moment, getting 3% in cashback plus plenty of percs. The overall impressions of the best credit card in India are: Some Redditors on r/india recommended the Amazon Pay ICICI card and the Diners Black card, both of which offer good cashback and rewards. Cards like the Prime Visa and the Bank of America® Customized Cash. Chase is the largest credit card issuer in the United States. CITI and UB especially because of the app. Amazon Prime Rewards, $15200 limit, December 2022 Oldest Account Age: 1 year, 8 months. Bank Cash+® Visa Signature® Card: Best for Choose-Your-Own Bonus. If you're going to keep a balance while you're getting a business off the ground, you need 0 % APR. The Air Miles program launched in 1992 and remains one of Canada’s most popular rewards programs Chase Freedom Flex®: Best No Annual Fee Cash-Back Rewards Credit Card. They will come through in October and January for $25k each. The Chase Sapphire Reserve® has one of the highest annual fees among all travel credit cards, but points are worth 50% more when redeemed for travel in the Chase portal. I only use my cards for convenience though. BofA Custom Cash Rewards 2% back unlimited and 3% on selective 3% categories. Have two very large (~$25,000) purchases coming up for home improvement. bustime m11 Just moved and did the furniture, truck, living expenditures thing after we moved into our new home in August. Chase Amazon seems to have a google rate + 1% (to cover their cashback?). After that you can look into Chase Sapphire Preferred/Reserve, and Amex Plat. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners Finding the right financial tool to run your company is critically important, this includes choosing the best small business credit cards. We would like to show you a description here but the site won't allow us. After you are 5/24 locked out then move on. See our picks for best balance transfer credit cards. But generally, American Express and Chase are more generous than others in initial credit limits. What's in your wallet in April of 2023? Discussion. Chase 5/24: Currently 4/24 Average monthly spend, and categories. However, without one you will be missing out as they offer protection when buying items onlin. Cardholders can also earn an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy an introductory APR of 0% for 15 months from account. Asda: 5% cashback for 90 days. I only use my cards for convenience though. Apply online for the best new business credit card. Advertisement Smart cards firs. Bank Cash+® Visa Signature® Card: Best for Choose-Your-Own Bonus. FNBO Evergreen, $6,700 limit, 05/2023 Gemini Credit Card, $25,000 limit, 11/2022 WF Reflect Card, $3,000 limit, 10/2023 Plus a bunch of Credit Union cards and Store cards that I didn’t list in the interest of time and space. wlwt traffic If you need to establish more of a history, Chase Freedom offers a great SUBio for data points on how to open small business credit cards. Wells Fargo Autograph℠ Card: Best for no annual fee. For occasional travel, we love the Chase Sapphire Preferred® card and Capital One Venture Rewards credit card. This beats the 2% no fee cards once you hit $20,000 per year. We would like to show you a description here but the site won't allow us. Update on Discover 2023 categories. N/A49%-29 $550 The Chase Sapphire Reserve® card is like the Preferred’s older, more sophisticated sibling. Eastwest Krisflyer - low forex, high mile earning. Earn $100 in rewards when you get a NerdWallet+ eligible credit cardJoin NerdWallet+ and pay your first credit card bill. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Annual fee: $2 Other benefits and drawbacks: Tomo doesn't allow you to carry a balance, so it's not a good option for financing large purchases over time. Have two very large (~$25,000) purchases coming up for home improvement. Some of the highest earn rates in Canada (with up to 5x the points on dining and groceries), combined with a. FNBO Evergreen - 2% uncategorized. A subreddit for discussing credit cards. i’m aware of the chase 5/24 rule but was wondering what credit cards i should get in order for now to start my credit journey off perfectly.
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Find the best one for you and apply in seconds. FNBO Evergreen - 2% uncategorized. A handful of new, innovative credit cards arrived on. After about a year, I was able to easily apply for a Citibank card with a higher credit limit because I already had a credit history. We would like to show you a description here but the site won't allow us. Have two very large (~$25,000) purchases coming up for home improvement. Wal-Mart Store Card - 5% online, 2% in store. Wells Fargo Reflect® Card. Some of the highest earn rates in Canada (with up to 5x the points on dining and groceries), combined with a. 2% on gas and restaurants. Most no-AF cards offer $200 SUB at most. best credit cards to get in order Discussion turned 18 6 months ago and just received my credit score of around a 700 starting off. I have the following credit cards and I don't think I am getting the best out of them. Blue Cash Everyday® Card Regular APR: 1399% Variable APR. Amazon Prime Rewards, $15200 limit, December 2022 Oldest Account Age: 1 year, 8 months. Here's the Forbes Advisor list of best credit cards for no credit history. The best credit card for one business may. FNBO Evergreen, $6,700 limit, 05/2023 Gemini Credit Card, $25,000 limit, 11/2022 WF Reflect Card, $3,000 limit, 10/2023 Plus a bunch of Credit Union cards and Store cards that I didn’t list in the interest of time and space. I have to spend around 3k in trips this week 3-Bank of America 2019 // apple card July 15 21//safarie preferred may 16 22// best buy credit card May 2022//Amex gold may23 // Hilton biz jun 2023 5-yes. I am a long timr BPI client so I got my first CC with them, and got approved easily. That card is inquiry sensitive and offers TY which is a flexible currency. po box 31375 salt lake city FNBO Evergreen, $6,700 limit, 05/2023 Gemini Credit Card, $25,000 limit, 11/2022 WF Reflect Card, $3,000 limit, 10/2023 Plus a bunch of Credit Union cards and Store cards that I didn’t list in the interest of time and space. Fortunately, BJs offers a user-friend. Chase Freedom Unlimited®: Best for bonus categories. We would like to show you a description here but the site won't allow us. Update on Discover 2023 categories. Crypto rewards cards are the new kids on the block, with innovative options popping up constantly. But generally, American Express and Chase are more generous than others in initial credit limits. Chase 5/24: Currently 4/24 Average monthly spend, and categories. BofA Custom Cash Rewards 2% back unlimited and 3% on selective 3% categories. If you need to establish more of a history, Chase Freedom offers a great SUBio for data points on how to open small business credit cards. After that you can look into Chase Sapphire Preferred/Reserve, and Amex Plat. C1 is more inquiry sensitive so it makes sense to get it before other cards. Early 2023: Best Credit Card For Costco Purchases In-Store And Online. Bank Visa® Platinum Card. carrie embelyn The overall impressions of the best credit card in India are: Some Redditors on r/india recommended the Amazon Pay ICICI card and the Diners Black card, both of which offer good cashback and rewards. Best for rewards: American Express Preferred Rewards Gold Card. Whether you love traveling for vacations or have a job that keeps you hopping between cities, the right travel credit card can be helpful to maximize the perks. The problem is that. We would like to show you a description here but the site won’t allow us. The Venture X is a good card. Advertiser Disclosure Updated: Jun 24, 2024, 4:50pm. A few hours ago a Discover customer service representative told me that they will now be announcing the 5% cash back categories one quarter at a time, similar to the Chase Freedom and Freedom Flex, instead of releasing the calendar for the entire year all at once. Among cards designed for a broad audience, The Platinum Card® from American Express has a pretty eye-popping annual fee of $695. Needs are: 1) big SOB with big spending requirement 2) a card that typically gives big credit limit for someone with great credit. We would like to show you a description here but the site won’t allow us. With an Experian score of 811. Compare the best airline credit cards of February 2024 and earn rewards, perks, and discounts on your favorite airlines. For category spending, much better does usually exist for the common categories [deleted] 10 Top Credit Cards in India. Among cards designed for a broad audience, The Platinum Card® from American Express has a pretty eye-popping annual fee of $695. Advise looking into secured card- once approved, you'll be required to deposit a dollar amount ($200, 500, 1k, 2k) and that will be your credit limit. US Bank Altitude Reserve is an OK card for $400-$325 = $75 annual fee, but it earns 4. INTRO OFFER: Earn a $100 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. (Capitol One Platinum Secured Credit Card) 30 Minimum deposit $49, 99, or $200 Why not earn some rewards on the things you buy every day? Use one or more of these credit cards for your daily purchases. Best Military Credit Cards: Chase and American Express. This thread explains it further. One of the most pervasive predictions floating about the credit card circles right now is that 2023 will be the year Citi finally launches an all new top-tier. reserve box first base mvp dodgers stadium The Chase Sapphire Reserve® has one of the highest annual fees among all travel credit cards, but points are worth 50% more when redeemed for travel in the Chase portal. +1 on the discover student card, personally have never gotten it but the rewards for the first year are great. A subreddit for discussing credit cards. The overall impressions of the best credit cards to have are: Some Redditors on r/CreditCards commented that there are a variety of options to choose from depending on your preferences, like the Sallie Mae Mastercard, Citi Double Cash, Fidelity Amex, and Chase Freedom. It offers both bonus rewards and a higher-than-typical flat rewards rate, which makes it a great standalone. Bank of America® Travel Rewards credit card: Best for travel rewards beginners. If you fly delta and redeem awards, the math is a little more complicated, but $100 is worth ~7692 points. Other than that, magnus is probably the most rewarding card right now considering you hit the 1L per month limit. Smart Cards - A smart card is a credit card with its information stored in a microprocessor. Best Military Credit Cards: Chase and American Express. It will replace the Amex Green Air Miles credit cards: Best for travellers seeking flexible redemption options. +1 on the discover student card, personally have never gotten it but the rewards for the first year are great. Most no-AF cards offer $200 SUB at most. Wells Fargo Autograph℠ Card: Best for Quality perks for no annual fee. Compare features, benefits and rewards from Forbes experts. For occasional travel, we love the Chase Sapphire Preferred® card and Capital One Venture Rewards credit card. Needs are: 1) big SOB with big spending requirement 2) a card that typically gives big credit limit for someone with great credit. That’d bet you 400k points for 33k in spend. Wells Fargo Autograph℠ Card: Best for No-annual-fee. This card gives us 10% cash back on Uber. I applied for the Capital One Quicksilver since I got a targeted $300 SUB for $500 spend. That'd bet you 400k points for 33k in spend.
If you need to establish more of a history, Chase Freedom offers a great SUBio for data points on how to open small business credit cards. In total, we earned $1,800 this year from cash back from credit cards. Custom Cash #1 - 5% on Groceries (as soon as the first year with my BCP is up and I downgrade) Custom Cash #2 - 5% on Dining. I have the following credit cards and I don't think I am getting the best out of them. violer starr Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. It's my primary card and I do like it, but like any travel card, it has its pros and cons. Browse the best credit cards of 2024 for cash back, travel rewards, 0% APR, credit building and more. We would like to show you a description here but the site won't allow us. buck 110 auto elite amazon The American Express Blue Business Cash™ Card (terms apply, see rates & fees) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card. Reddit has been slowly rolling out two-factor authentication for beta testers, moderators and third-party app developers for a while now before making it available to everyone over. Forbes Advisor helps you find your best fit. br Add a Comment We would like to show you a description here but the site won't allow us. FNBO Evergreen, $6,700 limit, 05/2023 Gemini Credit Card, $25,000 limit, 11/2022 WF Reflect Card, $3,000 limit, 10/2023 Plus a bunch of Credit Union cards and Store cards that I didn’t list in the interest of time and space. The best ones are the ones that stick; here are t. hoobly pigeons for sale INTRO OFFER: Earn a $100 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Reddit announced today that users can now search comments within a post on desktop, iOS and Android. Jan 2, 2023 · Citi launches new luxury travel card. Best Credit Cards For Bad Credit Of July 2024. We would like to show you a description here but the site won't allow us. We reviewed 13 popular credit repair companies based on 19 data points in the categories of stability, reputation and customer satisfaction, customer experience, services, and cost and fees We would like to show you a description here but the site won't allow us. Credit score took a big ding.
Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time. For comparison purposes, the average cash rewards card in 2024 gives about 1% back. This would naturally mean I desire a no-fee card and cash-back rewards. 1-I need recommendations on what card should I get. The Capital One Savor Cash Rewards Credit Card is an example of a great card for dining. The Freedom Unlimited provides a better catch-all than what the travel cards themselves have, and the Flex provides 5x points on rotating categories. We've rounded up the best credit cards in Canada for 2024 for everything from travel and cash-back rewards to low interest credit cards and more. Find the best one for you and apply in seconds. With an Experian score of 811. i'm aware of the chase 5/24 rule but was wondering what credit cards i should get in order for now to start my credit journey off perfectly. You should be able to recoup the fees and then some in points. WalletHub makes it easy to find. Whether you love traveling for vacations or have a job that keeps you hopping between cities, the right travel credit card can be helpful to maximize the perks. The problem is that. I'm at 3/24 and I would like a restaurant and "etc" shopping (Walmart, Amazon, Costco, etc). at least $1,000 per month with a CCU credit card to earn the highest APY tier for the CCU Rewards Checking account United card. Amazon Prime for 5% Cash back. With an Experian score of 811. heatseeker weed strain The Amex Gold is great for dining and if you use grubhub and uber already the fee is effectively $10 per year, since the card has credits for those services. The Venture X is a good card. 1% on everything else We would like to show you a description here but the site won’t allow us. RATESDOTCA analyzed 80 credit cards using 100+ data points over several weeks to determine the first-year value of each card. Bank of America® Travel Rewards credit card: Best for travel rewards beginners. After about a year, I was able to easily apply for a Citibank card with a higher credit limit because I already had a credit history. I have a balance of about $1700 on a capital quicksilver card but they've started charging me the APR and now im making very little progress on my payments as my minimum is $60 and my apr is coming in around $40. Citi Custom Cash: use it for groceries every month and earned $660 (including my player two) Shop Your Way: used it for the targeted offers and earned over $400. Discover credit cards are accepted at numerous banks acro. Compare popular credit cards from HDFC, SBI & Axis Bank. " "Diners black - this one used to be insanely amazing but the benefits. RCBC Elite Card - mid mile earning, lounge access with companion. 0% intro APR on Purchases for 6 months and 10. I have all my cards in my wallet, but I mainly am using my: DiscoverIt Cash back - for the 5% back categories , PayPal MC as of now , SavorOne for dining and soon my -. Best Flexible Travel Card Welcome Bonus Runner-up. I have the Apple Card, a credit score of 770 and I've been building credit since 2019. Likely, any new card will have a 0% APR period for purchases - some up to 18+ billing cycles. Higher End Credit Cards - 2023. * Current credit cards you are the primary account holder of: (list cards, limits, opening date): RBC Bank Signature Rewards $15,000 limit, 06/2022. Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time. Best balance transfer cards ~$2k in 2023. how to get someone location using termux Capital One Venture Rewards Credit Card. N/A49%-29 $550 The Chase Sapphire Reserve® card is like the Preferred’s older, more sophisticated sibling. If prefer to use 1 card to consolidate all cashback, UOB Amex with 1 Kung first credit card, mas madali kumuha sa bank kung saan may account ka na. After about a year, I was able to easily apply for a Citibank card with a higher credit limit because I already had a credit history. Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time. Early 2023: Best Credit Card For Costco Purchases In-Store And Online. I applied for the Capital One Quicksilver since I got a targeted $300 SUB for $500 spend. Whether you’re starting your own small business or you’re already running one, its continued financial health is one of the most important things to keep in mind You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia Credit cards offer various incentives to their customers in a bid to keep them loyal. If you need to establish more of a history, Chase Freedom offers a great SUBio for data points on how to open small business credit cards. Wells Fargo Reflect® Card. July 2024's best credit cards to build credit are selected by WalletHub editors from 1,500+ credit card offers. Preferably with no transfer fee, but I don't think those exist anymore. C1 is more inquiry sensitive so it makes sense to get it before other cards. The Air Miles program launched in 1992 and remains one of Canada’s most popular rewards programs Chase Freedom Flex®: Best No Annual Fee Cash-Back Rewards Credit Card. They will come through in October and January for $25k each. The annual fee is only $95 and it lets you transfer points to any of Chase's transfer partners including Marriott. This beats the 2% no fee cards once you hit $20,000 per year. Credit score for me is 800, wife is 750ish I currently have a CSR, Amazon, venture All Chase cards older than 4 years, venture is 1 Have anywhere from 8-20k of spend. Uphold - 4% cashback in XRP. Wells Fargo Reflect® Card. Other cards you can consider (assuming you can hit the spend): Amex plat, Chase ink, Amex gold.