Question
Last year I signed up for the Marriott and Hilton Visa cards that has first year fee free. Now the time is up and I want to know what other cards out there don't charge annual fees (at least in the first year) and get some type of points?
I don't use Visa much. About $500/ month so I don't think the annual fee is worth it.
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There are lots of Visa/MC rewards cards out there now with no annual fee. What kind of card are you looking for (airline, cashback, hotel, merchandise) ?
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Hmm...I was under the impression that the Hilton HHonors/Citibank USA Visa has no annual fee:
http://www.hilton.com/en/hhonors/points/visa.jhtml
The T&C show no annual fee either:
http://www.citibankusa.com/cards/hilton/stnd.html
I've been tempted to get it, since it's one of the few no-fee Visa Signature cards.
The MBNA Amtrak MC also has no fee, transfers to most airline FF programs, and has gotten good reviews (although you're tying your fortunes/points up with Amtrak!).
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I have the MBNA Amtrak card and I think it's the only Visa/MC that will let you convert your points to airline miles at a 1:1 ratio for no annual fee. The catch is that the points expire after 3 years if you don't book a trip and you can only transfer in increments of 5,000 points.
I like my Starwood card better. Although it has an annual fee of $30, the points never expire as long as you use the card at least once a year, you can redeem at 1:1 for many airlines with a minimum of 2,500 points, and you get a 5,000 point bonus for transferring 20,000 points. Of course, BVG is just icing on the cake!!!
[This message has been edited by steve4 (edited 07-11-2002).]
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I think one of the best no fee cards is the AAdvantage Platinum World Mastercard you get through Citibank (if you have a CitiGold account relationship).
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US Bank's Northwest card and First USA United card offer a FREE card where you get 1/2 point for every $1 of purchase.
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Originally posted by bagold:
I don't use Visa much. About $500/ month so I don't think the annual fee is worth it.
Only $500?? You need to pick up the tab more often...
http://www.flyertalk.com/forum/wink.gif
There was a long discussion on MilesBuzz recently on different ways to use the Visa.
I consider the Alaska Plantinum Visa essentially no fee. Yes, it costs $75/year, but it comes with a $50 annual companion fare on AS that is worth the cost of the Visa. All that means is one California vacation per year.
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http://www.flyertalk.com/forum/Forum1/HTML/007163.html
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Originally posted by DaveSF:
The MBNA Amtrak MC also has no fee, transfers to most airline FF programs.
Amtrak points can be transferred to just 3 airline FF programs: United, Continental, and Midwest Express (all at 1:1 ratio, in 5,000 points chunks), plus 1 hotel program - Hilton (10,000 HH points for 5,000 Amtrak points).
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If you want Cash rebate...Farmbureau bank is not bad but you have to spend alot...the best would be Citi's Dividend Cash rebate card...it's a real 1% rebate unlike other cards where you have to spend to a certain level to get the % rebates...
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The Chase Stockback Platinum card is also good for cashback:
Full 1% back on all purchases
Can get additional cashback with some merchants (up to 10%)
I switched over to this card after reading all the glowing reviews on other forums.
You can keep your reward as cash or choose to invest it in a mutual fund. You can withdraw the funds at any time and can switch between the two options. I think this is a much better cashback card than my Discover Platinum card which I'm still keeping for purchases at Sam's Club.
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Originally posted by steve4:
I think this is a much better cashback card than my Discover Platinum card which I'm still keeping for purchases at Sam's Club.
Obvsiouly, you don't know about buying Wal-Mart Gift cards with your Visa/Mastercard and use it at Sam's?
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Originally posted by afang:
Obvsiouly, you don't know about buying Wal-Mart Gift cards with your Visa/Mastercard and use it at Sam's?
I was aware of this, but I think it's just more convenient to use Discover at Sam's Club.
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I have a no fee Juniper Visa with 6 months interest free, and up to 2% cash rebate (2% after 10K purchase). So I bought 10K savings bonds and enjoy the interest free period, and everything else I charge I get 2% in cash.
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poker can you direct me to a link that describes the Juniper's CC?
Also, i'm wondering how is Chase these days? I have had huge problems with them before...and that's one of the reason that i try not to do business with them. Having said that...the Stockback Cash Rebate sounds like a really good deal...
[This message has been edited by afang (edited 07-28-2002).]
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I just got my Norwegian Cruise Line MasterCard yesterday. It doesn't give me frequent flyer miles, but I will get 3% back as credit on future cruises with NCL. The payback is better than a 1 mile per dollar on most airline cards. Besides, NCL doesn't charge a fee.
For more information, call 1-866-438-6262, Use priority code P6WO for 25 bonus points with first purchase.
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Natasha while 3% looks great...is it a full 3%? FOr some reason i can't find this card on the internet...
Also...with some of the great rebates Chase's Stockback card is offering...can't you use the cash you earned and use it on anything say a cruise? http://www.flyertalk.com/forum/smile.gif
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Afang, here are the websites for the Norwegian Cruise Line Card.
www.applyonlinenow.com/USapp/Ctl/redirect?CV_sourceCode=WYJ3&CV_MC=A0000004NM (http://www.applyonlinenow.com/USapp/Ctl/redirect?CV_sourceCode=WYJ3&CV_MC=A0000004NM)
www.ncl.com/more/credit_card.asp (http://www.ncl.com/more/credit_card.asp)
[This message has been edited by Natasha487 (edited 07-30-2002).]
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My top picks are as follows:
1) AmEx Starwood Card
2) Amtrak Mastercard
3) Amoco Visa (Full 2% rebate on non-fuel purchases and 3% on Amoco purchases. The rebates are redeemed for Amoco fuel purchases.)
4) Hilton Visa
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Amex announced a cash back card with 0% interest for 6 months, and up to about 3.5% cash back if you carry a balance (which is good if it counts the months with 0% interest). No annual fee -
See the Amex board for more details.
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I agree with TTT103's top two ratings:
1. Starwood Amex
2. Amtrak Rewards Mastercard