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Whats your most favorite/used credit card?

tag
lg8302ch
Senior Contributor

Re: Whats your most favorite/used credit card?

Favorite is the Arrival + but  CSP gets used more..lol

Message 31 of 53
chalupaman
Super Contributor

Re: Whats your most favorite/used credit card?

Right now, my Chase AARP card mostly.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 32 of 53
chalupaman
Super Contributor

Re: Whats your most favorite/used credit card?

And also my Amex ED for really low APR compared to my other cards, Arrival for similar purposes as the aarp card and if I had a much bigger limit, Discover would also be a fave of mine.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 33 of 53
aubie1kenobie2
Frequent Contributor

Re: Whats your most favorite/used credit card?

Amex BCE! I have gotten back $125 from my purchases on my BCE as statement credit and some $30-35 from offers (iTunes, Panera, etc).

 

Discover would be a close second if not for the very low CL (right now at $1k from $750 via an auto CLI).


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 773 (Discover FICO), 749 (DCU EQ)
Ultimate goal: Buy a house in 2016!
Message 34 of 53
1GaDawg85
Valued Contributor

Re: Whats your most favorite/used credit card?

NavyFed CashRewards/GoRewards and Barclay Rewards 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 35 of 53
Blodreina
Established Contributor

Re: Whats your most favorite/used credit card?

Quicksilver

Discover It Chrome

Message 36 of 53
Anonymous
Not applicable

Re: Whats your most favorite/used credit card?

Well, for me, the answer varies often (much to my wife's chagrin) depending on what card I'm trying to reach an initial spending threshold on, or is running a special offer like "extra 2 points for every dollar if you spend over $2,500" or has 0% APR or something.

 

But my fallback through thick and thin would have to be the SallieMae MasterCard, 5% on gas/grocery/bookstore. In second place would be my Fidelity AmEx, with 2% on everything.

 

Here's my top ten in actual usage for 2014 YTD:

BarclayCard Arrival #2 (initial spend; 0%APR) 13,267.26
Chase Ink #3 (initial spend; 5% on office supplies, telecom) 6,569.09
USBank Travel Rewards (3x points on charitable contributions; several spending promos) 5,918.17
BarclayCard Arrival #1 (0% APR; travel spending to redeem rewards) 5,495.96
Sallie Mae Visa (5% on gas/grocery/bookstores) 4,359.61
Chase Sapphire Preferred (initial spend) 3,004.89
Discover More ($150 spending bonus; 5% on restaurants, online purchases) 2,484.93
Citi Dividend (5% on drugstores, car rental) 2,340.64
USBank Cash+ (5% on restaurant, cell phone) 2,262.91
Chase Ink #1 (3% on home improvement, restaurant/fast food) 2,142.92

 

Message 37 of 53
Anonymous
Not applicable

Re: Whats your most favorite/used credit card?


@1GaDawg85 wrote:

NavyFed CashRewards/GoRewards and Barclay Rewards 


i'm so jelaous! i want to get into navy fcu to be able to get one of their cards, but unfutunately do not qualify! Smiley Sad

Message 38 of 53
Anonymous
Not applicable

Re: Whats your most favorite/used credit card?

AMEX EDP For Groceries/Gas

CSP for Dining/Travel

Freedom for whatever 5% category

Capital One Venture for whatever else

 

Nice simple system that covers most of my spending habits

Message 39 of 53
Anonymous
Not applicable

Re: Whats your most favorite/used credit card?


@Anonymous wrote:

AMEX EDP For Groceries/Gas

CSP for Dining/Travel

Freedom for whatever 5% category

Capital One Venture for whatever else

 

Nice simple system that covers most of my spending habits


you should get the citi double cash back for all the purchases that your current cards don't get atleast 2% on them.

Message 40 of 53
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