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your favourite credit cards

Frequent Contributor

Re: your favourite credit cards

I couldnt tell you what score exactly they require, but your scores should be good. It is a signature card so you if you have other credit cards with limits 5000 or over and nothing bad within a couple years you should be good.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 11 of 33
Regular Contributor

Re: your favourite credit cards


proton022 wrote:

Folks,

 

I've a 10+ year long credit history, but due to my silly mistake (Smiley Embarassed) both credit cards that I had got cancelled by the creditor two years ago. I'm now an authorized user on my spouse's CCs. I want to untie myself from hers, and start holding my own set of CCs. 

 

FICO scores: EQ: 795, TU: 782, EX: 742 (all one week old, obtained from a lender pull). 

 

There is an overwhelming amount of information out there, but it would be nice to know your favourite card for each of the following two categories if you were me. I pay in full, so APR doesn't matter. 

 

1. Rewards card: 

 

My spouse has Chase Freedom, but I find the revolving categories a pain to track.  I'm thinking of PenFed Platinum Rewards, which gives about 3% rewards on grocery, 5% on gas, and 1% for the rest.  May be also add PenFed Premium Travel Rewards for getting 5% back on flight tickets. PenFed also seems to serve a worthy cause. Are there better ones than these?

 

2. Travel Card:

 

I travel about 6-8 times a year about equally on Delta and UA.  Nice to have complimentary companion travel, lounge accesses, and no fee on foreign transactions. Any card  that gives all these for ~100$ fee? I used to have Citi PremierPass Elite, which gets close to this, but I'm not sure if they give Priority Pass club access these days with it.

 

 

 

 


Favorite Cards:

Rewards - I use 3-4 cards -  Love the US Bank Cash + card and use the 5% categories  for restaurants and paying utility bills, Use the BCP for Groceries (6%), Gas and Dept Stores (3%). Use Freedom when the 5% categories make sense, use Costco Amex travel (2%) and gas (3%) . I use the US Bank for anything that I am getting 1% back on since they give you a $25 bonus when you redeem $100 cash back.

Travel cards - I really don't travel enough to recommend any.

FICO: EQ 769, TU 762 , EX ???

Message 12 of 33
Valued Contributor

Re: your favourite credit cards

My favorite card used to be the Chase Sapphire Preferred, but now it's my Chase United MileagePlus WEMC. It's an "all-in-one card", and I really like that.

 

For a UA flier, it's the closest thing to the Amex platinum given all of the benefits it comes with.

* Universal acceptance

* No forex fees

* Full United lounge membership

* Premier Access (priority check-in, priority airport security lines, priority boarding and baggage handling, 2 free checked bags)

* Hyatt Platinum

* Avis Presidents Club

* Access to Virtuoso since it's a World Elite MasterCard.

* Excellent earning power with 1.5 miles per dollar spent

 

I'll never achieve Hyatt Diamond given my current travel patterns, so this guarantees me platinum status without having to worry. Priority check-in and late check-out can be a lifesaver, while occasional room upgrades and free Internet are nice. Being able to use the elite check-in desk during a convention can save half an hour or more of waiting in line. Avis President's Club is great for upgrades, and unlike the Amex platinum it actually has good earning power so I am willing to push a lot of money through it.

 

I miss the CSPs ability to transfer points but since I only fly *A and do so regularly, I can always make use of whatever United miles I earn. The $395 AF doesn't bother me one bit. I can't comment on rewards cards since I don't have any.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 13 of 33
Super Contributor

Re: your favourite credit cards


CreditScholar wrote:

* Excellent earning power with 1.5 miles per dollar spent

 


I didn't the 1.5% rewards on ALL spending. 

Excellent all around card. 

Message 14 of 33
Highlighted
Super Contributor

Re: your favourite credit cards

Yours (or anyone else's I can steal)

 

Seriously my RBFCU Master card.  1% cashback, no games, can pay as often as I like.

 

The only down sidew is that they call me all the time to verify that the charges I made were valid.Smiley Frustrated

10/17/2017 FICO: EQ 829 TU 830 EX 826
Message 15 of 33
Frequent Contributor

Re: your favourite credit cards

Amex Blue Cash Preferred  for groceries & gas - the 6% and 3% are hard to beat.

Chase Sapphire Preferred for travel/restaurants. 2% cashback, no FTF, 7% annual bonus, and the ability to transfer points to multiple programs.

Both of these have annual fees so do the math to see if it makes the rewards worth it.

Also have Discover More & Chase Freedom for the 5% categories. The ability to transfer Freedom UR points to CSP is a nice perk.


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

Take the FICO Fitness Challenge
Message 16 of 33
Established Contributor

Re: your favourite credit cards

Amex BCEP

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 17 of 33
Super Contributor

Re: your favourite credit cards

This thread just makes me feel inadequate. I get 1% back on everything (plus the bonuses with PerkCentral - 1%-15%) and then a 50% bonus at the end of the year on my cap1 ...

Smiley Sad
Message 18 of 33
Established Contributor

Re: your favourite credit cards

For me its my Chase Freedom and/or Discover IT card.

FICO: EX: 763 (12/16); TU: 786 (12/16); EQ 731 (12/16)
Amex Blue Cash Preferred | Amex SimplyCash Plus | Chase Amazon Prime VS | Chase Freedom VS | Discover IT | Penfed Power Cash Rewards VS | Sams Club MC | USAA Limitless Rewards PV
Message 19 of 33
Valued Member

Re: your favourite credit cards

Thanks for all your input.

 

It sounds like US Bank cash+ and Amex BCP together can work well, getting nearly 5-6% on most categories. 

 

I'm still not sure about the travel card though. Creditscholar, I couldn't find  Chase United MileagePlus WEMC that you suggested. Do you know what is the best one could for a 100$ AF card?

Message 20 of 33