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Credit card gouge (and not the AmEx Platinum)

snake020

snake020

Contributor
Anyone have good recs on no annual fee no foreign transaction fee easy everyday rewards cards?

I've had a Pen Fed card for about 10 years when they were one of the first issuers using chips and had a 1.5% reward rate for all purchases, which was decent for an everyday card at the time. Since then, using the card has been a terrible experience. Twice recently I've had legitimate transactions denied and had to call their fraud services, which seems to be farmed out to a third party, and go through a full script. Their user interface is a mess and recently their mobile app seems to have devolved into a replication of their web interface, so I'm about to dump them.

I have the Capital One Savor Rewards, which is great for groceries (3%) and dining (4%), but 1% for everything else.

Apple Card is a decent 2% on anything that takes tap to pay, but that drops to 1% for online portals that don't take Apple Pay.

I'm looking at Navy Federal's cashRewards plus card, and it looks to be 2% for everything with no annual or foreign transaction fees. Anyone else have experience using a Navy Fed card? Any other no fee cards with higher general rewards to recommend?
 
I'm using the Chase Sapphire Preferred card. No annual fee for military.

It's a great travel rewards card that gives pretty good percentages on the stuff I spend money on most (restaurants, streaming services, entertainment, online groceries, hotels, airlines and travel, peloton) with no foreign transaction fees.

I also have the Amazon card, it has no annual fee. It does decent on cash back. It used to get you free Amazon prime every year but they did away with that a couple years ago.
 
We have the AMEX Blue Cash Preferred for supermarkets only as it gives 6% back up to the first $6000 spent (total of $360 back). Annual fee is $95, so net of $265 per year per card on groceries.
 
I don’t have it, but the fidelity card offers 2% on everything when you have it tied to one of their accounts. With SPAXX itself earning 4% right now that seems like a good deal.
 
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