cancel
Showing results for 
Search instead for 
Did you mean: 

If you had to just pick one......

Frequent Contributor

If you had to just pick one......

If you had to pick just one Visa/Master card that hands down is the best card out there, which one would it be?

39 Credit Cards $56,630 CL (69.2% UT, 20/42 Zero Balance), 3 Charge Card NPL, 17 VISA/MC, 7 Amex, 2 Discover, 16 Store Cards
2 Auto Loans, 2 Installment Loans, 1 Student Loan (Deferred)
EQ FICO 8 614 Positive 37, Negatives 1, Inquires 18, AAoA 2Y1M
EX FICO 8 589 Positive 68, Negatives 4, Inquires 49, AAoA 3Y6M
TU FICO 8 627 Positive 72, Negatives 1, Inquires 33, AAoA 2Y
Rebuilding Since 03-2015, Gardening Since 12-2017, Gardening till FICO 8 705
Message 1 of 39
38 REPLIES
Contributor

Re: If you had to just pick one......

I'd probably find it easier to pick my favorite child Smiley Very Happy

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  
CENTURY CLUB MEMBER

Message 2 of 39
Established Contributor

Re: If you had to just pick one......

This Month LOL freedom!!!! Really like 5% cat. Going now
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 3 of 39
Valued Contributor

Re: If you had to just pick one......

BEFCU Platinum Plus VISA:  as low as 4.99% F go-to APR, rewards program, also no BT or cash advance fees. 

 

https://www.bournscu.coop/loans-and-credit-cards/credit-cards

** BEFCU Platinum Plus VISA @ 5.49% F, $4k ** Unify FCU Variable-Rate VISA Gold @ 5.99% V, $5k ** FNBO Amex @ 7.25% V, $20k ** PACU Premier Privileges Rewards MC @ 7.50% F, $20k ** Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $15k ** Barclay Ring @ 9.00% V, $1.9k ** BoA Cash Rewards WMC @ 9.99% F, $11.1k ** Citi DC WMC @ 10.24% V, $17.82k ** BoA Travel Rewards VS @ 10.24% V; $8.4k ** Cap1 No Hassle Miles Ultra Platinum MC @ 10.90% V, $3.5k ** Discover IT @ 10.99% V, $22.4k ** FNBO BucksBack VS @ 12.00% V, $20k ** BBR(x2) @ 12.99% V, $12k ** US Bank Cash+(x2) @ 15.99% V, $26k ** Citi DP VISA @ 15.99% V, $8.1k ** FNBO Amex TravElite @ 16.74% V, $15k ** Blispay @ 19.99% F, $5k ** Cap1 BuyPower WEMC @ 20.90% V, $6.25k **
Message 4 of 39
Valued Contributor

Re: If you had to just pick one......

Barclay Arrival +  2.05 percent back on everything for use towards any time of travel.  Hotel, Rental Cars, Expedia, Airfare whatever  And you get bonus points just for posting on their travel site. No FTF.  

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Hyatt, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.
Message 5 of 39
Established Contributor

Re: If you had to just pick one......

My Visa debit card, 0% APR on purchases and cash advance all without an annual fee.
Message 6 of 39
Valued Contributor

Re: If you had to just pick one......


MILOfico wrote:
This Month LOL freedom!!!! Really like 5% cat. Going now

I would think this would be a bad choice for a single card. It might be valuable as part of a suite of cards. But that 5 percent is limited to 1500 of spending a quarter.  And I don't see how most people are going to spend 1500 in gas in a quarter. Buf for sake of argument you had 40k of spending on credit cards a year and you max out categories:

 

6000 x .05 = 300

34000 x .01 = 340

 

Grand Total = 640 dollars a year on 40k spending

 

Now compare to a 2 percent on anything card

 

40000 x .02 = 800 dollars.

 

 

And since they have rotating categories that aren't announced in advance it could be much worse than this. 

 

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Hyatt, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.
Message 7 of 39
Super Contributor

Re: If you had to just pick one......

Dont have it cant get it but perhaps the USAA Linitless 2.5 % backcash card
Smiley Happy
Message 8 of 39
Valued Contributor

Re: If you had to just pick one......

If I had to pick one I currently own, Amazon Store card. I shop there so much, sometimes too much.

 

Late edit: Just not saw you mentioned Visa/MC. Oops.

Amex Green • Amex BCP • Amex HH (Surpass®) • Barclay Rewards • Chase World of Hyatt • Capital One Quicksilver • Discover it • PENFED Platinum Rewards • Marvel MC • Amazon Store • Kohls Store • CL $92,130 • Car Loan (PENFED) 1.99%

FICO® 8 Scores 790+
Message 9 of 39
Contributor

Re: If you had to just pick one......


mitchblue wrote:

If I had to pick one I currently own, Amazon Store card. I shop there so much, sometimes too much.


That's a good point, haha. Not to mention it offers 5% back or Promo finaning on purchases >$150!

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  
CENTURY CLUB MEMBER

Message 10 of 39