I think it is about time, I consolidate all my usage into two cards. What card do you consider as the best card for service, generous credit limit and offers all around product satisfaction. I do spend about $6-8k for personal use and some more for business expenses.
For me it's the NFCU cashRewards card because it's the best I can get with my scores.
PenFed Visa Plat (aka gas card) --this is just from the cards I have. I'm aware that there are others that offer 2% across the board.
I LOVE my Citi Forward card. Its my highest CL, I get regular CLI's (every 3-6 mos), its currently tied for my lowest APR @ 13.49 and the APR decrease .25 every 3 months, and I love the ThankYou Points, I spend enough so that every 3 months I have earned a $50 statement credit.
I also love my Discover More card when the 5% catagory is something I spend a lot on. LIke July to September was Gas, Hotel, and Airfare (I think) I earned $35 cash back just from gas. (And I need to go get gas by the end of the week
I get 5% cash back on my Chase Freedom, but I never use it. I also get 1% cash back on my WF and Cap1 cards, I rarely use those either.
I really don't care about my points with my Amex Zync, I just got it to get in the door with Amex, so I can get Blue or Blue Cash in a few months. Same with FNBO, just to get in the door, they offer pretty high CL's once you've been with them for a while. And I just have my BoA cuz its my oldest TL.
So hard to choose!
I travel a fair amount, so my Chase United Visa is probably #1. Visa signature, so no need to worry about the limit, and the travel benefits are perfect for me Miles Miles Miles.
Outside of that the Penfed Visa Plat is my favorite. Followed by a close second the Costco Amex.
US Bank flex
Reward wise I think it use to be Chase Freedom Plus... I still have the same rewards on mine but not sure you can get that program anymore.
for spending over 5k a month I would agree would be Amex Blue Cash
or else what was the investing card that gave a straight 2% on everything?