Frequent Contributor
Posts: 491
Registered: ‎10-08-2011

Re: Your worst and best credit card

I don't have any bad cards, to be honest... None of them have annual fees, and only two of them generate interest (all others in 0% intro periods).


But the worst of my cards is the Apple Financing Visa, but only in the sense that I can't actually use the thing until I pay off my MBP. It's also nearly maxed out, which cratered my credit score a full hundred points. I'm paying this sucker off as quickly as possible; I expect it to fall to 60% util with my next payment. Once fully paid off, I'm going to try to PC it to something like a Ring MC or whatever else Barclay's is offering at the time.


The best of my cards is my Chase Freedom. It's become my workhorse, and I use it for everything: Bills, dining, supplies for college, you name it. The 1% cash back on everything -- which I can then dump into my checking account -- is awesome. Only my Discover It comes close to seeing as much use.

Regular Contributor
Posts: 230
Registered: ‎04-08-2008

Re: Your worst and best credit card

[ Edited ]

My worst card is the gold Best Buy MC w/ annual fee of $59 and a limit of $300! The only reason I got this card because of Citi buying the BB's cards portfolio.. I burned Citi a looong time ago.

I did get the AF permanently removed via the EO. Now, it's in the sock drawer.

My best card is NFCU signature Visa. No explanations needed!!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Moderator Emeritus
Posts: 10,859
Registered: ‎12-30-2011

Re: Your worst and best credit card

Worst: C1 nee Orchard Bank still with the same awkward $59 AF and a $400 limit.  


Best: Amex BCP 3K.


Took roughly 1.5 years between the two, the interesting question to me is where the BCP will be after the second CLI shot, likely my best card for a while if Amex continues to treat me well.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)

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Frequent Contributor
Posts: 464
Registered: ‎10-29-2012

Re: Your worst and best credit card

Tbh, I don't have any bad cards. But my favorite card is my Chase Freedom or my Citi Forward, since these are the 2 cards I use frequently. However that will soon change when my SW RR Plus card will come in :smileyhappy:

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: Your worst and best credit card

The worst card I've ever had was a Visa classic (with no rewards) from BofA. I just turned 18 and was given a 1k limit, so I guess I couldn't complain too much.


The best card I've had is probably my Chase UA club WEMC from a pure benefits perspective. I was an AU on a centurion when I was younger, but I don't really count that as mine.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012

Re: Your worst and best credit card

I used to have a credit one card with a $200 limit back in 2008 when I still had derogs on my credit report. I cant remember the fees but they were high. They even charged me to make a payment! I closed them after about a year and went credit card-less until 2010 when my credit reset. 


My current worst card now would have to be my USAA MC. It has the second best interest rate but I dont carry balances. It is my lowest credit limit and my worst rewards card. 


My best would have to be my Chase Sapphire Preferred/Freedom combo. For me though they both have to be used exclusivley and in coordination with eachother for them to pay off. 

CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
New Contributor
Posts: 74
Registered: ‎03-19-2011

Re: Your worst and best credit card

In 2009 I had a first premiere with 250 limit and a orchard card at 300. Today I have bofa travel rewards visa sig with 8k and a bce with 12800 limit.
BCE 12800, bofa travel rewards 8k, Barclays apple 6200, Macy's 2000, Macy's Amex 3200, merrick bank 300 , Victoria secret 1350, jcrew 1350
Frequent Contributor
Posts: 398
Registered: ‎08-02-2011

Re: Your worst and best credit card

I went through a Dave Ramsey period where I had no cards, my rebuilding card was my worst, I guess: a USAA Platinum MC with a $3k limit. It has since graduated to World MC and 14k limit. The rewards are craptastic though.

The best is my AmEx BCP with a $21.8k limit, backdated to 2002 and no annual fee. (active duty military)

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

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Frequent Contributor
Posts: 489
Registered: ‎06-08-2013

Re: Your worst and best credit card

[ Edited ]

I would say my worst CC so far is the Barclays MC just because of the crappy CL they gave me, and it is also my newest my CC..

My best would be my Freedom because I also have a Chase checking account therefore, I rack up lots of points lol.

Starting Score: (1/15)TU: 715 EX: 690 EQ: 711
Current Score: (2/15) TU: 751 EX: 726 EQ: 748
Goal Score: (7/16) 800+ for all three bureaus

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Gardening until July 2016!

Senior Contributor
Posts: 4,311
Registered: ‎02-23-2011

Re: Your worst and best credit card

My worst were *any* of the initial Bank cards with 0 rewards and $19.95 annual fee cards.


All modern rewards cards are actually very good, whereas all "modern" non-rewards cards are still in the "worst" category, in my view.

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