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

Senior Contributor

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

Diners elite

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 21 of 39
Established Contributor

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

Since we are arguing Visa/Mastercard.

 

Marvel Mastercard. (My lowest APR, highest limit, and most of my spend is entertainment/food).

 

 

 

I have store cards that would cover all of my other spend categories.

 

 

AAOA 1 year Fico 08's 738 739 703
Message 22 of 39
Established Contributor

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

PayPal Cashback mastercard

Message 23 of 39
Established Contributor

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

Surprised nobody else has picked the Sapphire Reserve yet.

 

I get over 3 cpp value out of airline miles, so earning 3 transferrable points per dollar on dining/travel gives me over 9% return on categories that a majority of my annual spend is in already, all for $150. If it gave 1.5+ points for everything else, it would actually become the only card that I would use.

Message 24 of 39
Frequent Contributor

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


oldman87 wrote:
My Visa debit card, 0% APR on purchases and cash advance all without an annual fee.

Your so right!





Gardening since 7.8.17
Message 25 of 39
Frequent Contributor

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

Chase Sapphire Reserve for me, too.

In my wallet: Chase Sapphire Reserve • PenFed Power Cash Rewards
Also have: Chase United MileagePlus Explorer • UNFCU Azure • NFCU cashRewards • NFCU Go Rewards • PenFed Promise
Message 26 of 39
Established Contributor

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

QuickSilver Visa Signature is great if you do not travel a lot.  $0 annual fee, 1.5% cash back, no foreign fees, no hassles.

 

Venture World MasterCard or Visa Signature is great if you spend a lot and/or travel.  $59 annual fee, 2% (basically cash) back, no foreign fees, no hassles.

 

Both cards offer great 0% offers also periodically.  (2% fee 0% 18 months is the best I have received.)

 

I know these two are not the most glamorous cards, but in the real world, they give you a lot for a little.

credit rebuild started 01/01/14
$100k credit card goal achieved 10/01/17
now in the garden with $127k in credit cards
--------------------------------------------------------------------------------------------------
  $ 30,000          $ 25,500          $ 23,750              $ 9,000            $ 3,300            $ 1,800     

 
  $ 17,000          $ 10,000              $ 4,000            $ 2,300     
Message 27 of 39
Regular Contributor

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

Citi DC, great cashback and lots of nice benefits from both Citi and WEMC. I really love my AMEX and Discover as well, though Discover hasn't seen much spend lately, unfortunately.

Message 28 of 39
Valued Contributor

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

Definitely my NFCU Cash Rewards! I love both the cash back and the large credit line 😁
| Navy Cash Rewards VS | Chevron Advantage | Capitol One MC | EQ 668
| Lending Club Personal Loan | Elements FInancial FCU Auto Loan |
Message 29 of 39
Super Contributor

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

No doubt, the USAA Limitless Cash Rewards VS 2.5%
Starting Score: 807
Current Score: 828
Goal Score: 850


Take the myFICO Fitness Challenge
Message 30 of 39