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best CC in their categories?

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megaman1
Regular Contributor

best CC in their categories?

I want to know what the single most precious CC you guys have are if you own more than one CC, and why you think so (ie. cash back, points, miles, etc).

Message 1 of 5
4 REPLIES 4
H4LO
Established Contributor

Re: best CC in their categories?

To be honest, mine has to be my DiscoverIT. I've used it quite a bunch because it has one of the best cash back oppertunities with ShopDiscover. It has better cash back than most cash back websites out there. Just wish it had a larger CL as I've already spent over half of my 2K CL. Probably have spent 4K on it since I recieved the card. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 2 of 5
Themanwhocan
Senior Contributor

Re: best CC in their categories?


@megaman1 wrote:

I want to know what the single most precious CC you guys have are if you own more than one CC, and why you think so (ie. cash back, points, miles, etc).


If you're looking for Your Precious... Might I suggest the Ring card from Barclays?

 

There's only ONE Ring card, you know. Its APR really rules them all.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 3 of 5
Open123
Super Contributor

Re: best CC in their categories?

Miles rewards will always be highly subjective and user dependent. 

 

For cash rewards, it's much easier to quantify, as follows:

 

1.  Fidelity Amex - no fee and 2% cashback.

2.  JCB Murakai - some conditions, but basically 3% cashback.

3.  Capital One Quicksilver - 1.5% cashback with no redemption threshold.

 

Excluding rotating categories, the above are the best cashback cards, in my view.

Message 4 of 5
jaraico
Regular Contributor

Re: best CC in their categories?

i have chase sapphire for 2x on dinning

chase freedom for 5% rotating categories and with checking account i get 1.1% on all other spending

amex bce for 2% gas and 3% groceries

 

in my opinion these are the best 2 companies and i love the customer service

using all these often helps with credit line increases

 

 

Barclays TU: 760 MyFico EX: 746 EQ:?

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