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Super Contributor
Posts: 6,026
Registered: ‎09-18-2007

What is one card that you consider best

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.

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008

Re: What is one card that you consider best

To me Discover More is the best card.  It has so many great benefits  that put itself in a league of its own. 

Frequent Contributor
Posts: 368
Registered: ‎09-14-2009

Re: What is one card that you consider best

For me it's the NFCU cashRewards card because it's the best I can get with my scores.

EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000

New Contributor
Posts: 69
Registered: ‎06-28-2010

Re: What is one card that you consider best

AMEX Blue Cash

Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007

Re: What is one card that you consider best

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.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 635
Registered: ‎07-29-2010

Re: What is one card that you consider best

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 Smiley Happy


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.

Discover IT $30K | FNBO Visa $25K | Citi Forward (grandfathered 5x Restaurants!) $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $15K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Southwest Premier $7.8K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity AMEX $7K | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Younkers/Comenity $2.4K | AMEX BCE $3K | Target $1K | EX FICO (from AMEX): 762, TU08 FICO (from Discover): 763, AAoA: 4.3 years
Regular Contributor
Posts: 114
Registered: ‎03-12-2009

Re: What is one card that you consider best

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.

Valued Contributor
Posts: 1,784
Registered: ‎03-11-2009

Re: What is one card that you consider best

US Bank flex

TU 807 8/10/15
EX 814 8/10/15
EQ 829 8/7/15
NASA 30K ( Amex 25k ) ( Chase Freedom 10.6k ) ( Venture 23K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Regular Contributor
Posts: 159
Registered: ‎11-29-2007

Re: What is one card that you consider best

Not my highest line but probably Discover.


TU / FICO Clasic 04 (767), EQ / Facta Beacon 5.0 (723), EX / Fair Isac Ver 2 (761) 9/28/2010 From the lender.
Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007

Re: What is one card that you consider best

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?

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
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