Jonathan Kamens 86 47Mar 4
I'm looking for a credit card with no annual fee and at least 2% cash back. I may be willing to pay an annual fee if the cash back is higher.
Requirements:
* Independent bank or credit union, not one of the mega-banks.
* Not USAA, they were once good but now they suck.
* Not PenFed, people told me they were once good but it appears to me, from having recently switched to them, that now they suck as well.
Any recommendations?
#personalFinance #creditCards #help
Show threadEllenJSMar 4

@jik
I’ve recently started looking for something very similar: a no annual fee credit card that gives some cash back and has no foreign transaction fees. So far this is the leading contender:

https://cardcritics.com/credit-cards/card-issuer/wells-fargo/wells-fargo-autograph-review/

Show threadJonathan Kamens 86 47Mar 4
@EllenJS Wells Fargo is a thoroughly shitty and corrupt bank and I will have nothing to do with them. YMMV.
https://en.wikipedia.org/wiki/Wells_Fargo#Lawsuits,_fines,_and_controversies
PNC has a 2% cash back card with no annual fee or foreign transaction fees: https://www.pnc.com/en/personal-banking/banking/credit-cards.html
Wells Fargo - Wikipedia

Show threadEllenJSMar 4

@jik
Thanks for the PNC (and Wells Fargo) info — I’ll take a look.

What’s your issue with USAA?

Show threadJonathan Kamens 86 47
@EllenJS Their service got progressively worse and worse until finally it was so shitty I couldn't deal with it anymore.
The new CEO claims he's trying to turn things around. I don't know if that's real or just marketing bullshit, and I didn't feel like waiting around to find out.
Mar 4 at 11:32pmWeb
Show threadEllenJSMar 4
@jik
I’ve had a USAA credit card for years and years— no issues. We’ve also had an REI credit card for a long time and they keep changing things — that’s what we’re looking to replace.