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

CostantinoA · ‎08-08-2017

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

Experian - 695 (4Y1M AA, 33 INQ)
Transunion - 686 (1Y5M AA, 30 INQ)
Equifax - 726 (3Y1M AA, 4 INQ)
Total Credit Lines: $99,387

Khalifa_Jayy · ‎08-08-2017

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

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Anonymous · ‎08-08-2017

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

galahad15 · ‎08-08-2017

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 with 1% rewards, $4k

AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

FNBO BucksBack VS @ 16.25% V with 2% rewards, $23.5k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

Citi Custom Cash WEMC @ 19.24% V with 5% category rewards, $39.32k

Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 20.49% V with 3% category rewards, $12.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

Amex BCE @ 23.49% V with 3% category rewards, $3k

WF Bilt WEMC @ 24.49% V with 3% dining rewards, $30k

Anonymous · ‎08-08-2017

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.

Anonymous · ‎08-08-2017

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

Anonymous · ‎08-08-2017

@Anonymous 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.

AverageJoesCredit · ‎08-08-2017

Dont have it cant get it but perhaps the USAA Linitless 2.5 % backcash card

mitchblue · ‎08-08-2017

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.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)

Khalifa_Jayy · ‎08-08-2017

@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!

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