The Citi Thank You Premier is the best
For balance xfers, Id say Citi Diamond. I'd steer clear of Citi though... Seems like they are harder to get than Amex or Discover.
What are you wanting to use it for?
Pretty much for everyday purchases..
Go with Chase Freedom or maybe Amex BCE.... Citi is pretty average from what I've seen. Yeah, the Fwd card gets you 5x pts on certain cats, but idk what those "thankyou pts" are even redeemable for lolll
I have both of those already .. lol
AA Select Visa Signature & AA Executive WEMC (for heavy AA fliers)
For everyone else:
Forward. 5% on dining is matched only by the US Bank Cash+
I'm not all that impressed by the dividend card since the annual cap on cash back is pathetically low.
but idk what those "thankyou pts" are even redeemable for lolll
Merchandise, cash back, gift cards, hotel bookings, and airline bookings. Best bang for your buck are the gift cards though