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Frequent Contributor
Posts: 450
Registered: ‎06-22-2015
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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?

38 Credit Cards $47,780 CL (69% UT, 12/41 Zero Balance), 3 Charge Card NPL, 16 VISA/MC, 7 Amex, 2 Discover, 16 Store Cards
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Rebuilding Since 03-2015, Gardening Since 06-2017, Gardening till FICO 8 705
Contributor
Posts: 151
Registered: ‎10-26-2015

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]

  
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Established Contributor
Posts: 748
Registered: ‎06-27-2016

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!!!
Valued Contributor
Posts: 1,777
Registered: ‎04-08-2015

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 ** Barclay Ring @ 9.00% V, $1.9k ** Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $15k ** 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, $2.5k ** Discover IT @ 10.99% V, $17.4k ** 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 **
Established Contributor
Posts: 995
Registered: ‎01-16-2017
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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.  

January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, 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.. 130k total credit lines.
Frequent Contributor
Posts: 479
Registered: ‎04-26-2017

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

My Visa debit card, 0% APR on purchases and cash advance all without an annual fee.
Established Contributor
Posts: 995
Registered: ‎01-16-2017

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. 

 

January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, 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.. 130k total credit lines.
Senior Contributor
Posts: 9,294
Registered: ‎04-23-2016

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
Valued Contributor
Posts: 1,090
Registered: ‎01-17-2012
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Re: If you had to just pick one......

[ Edited ]

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+
Contributor
Posts: 151
Registered: ‎10-26-2015
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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]

  
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