topic Re: If you could only have one card... which one? in Credit Cards

If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:27:36 GMT

As the title says... imagine that if tomorrow they passed a law that said you could only keep one card... what would you keep (or get a new one)?

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:30:19 GMT

Which one would you keep and why since you asked the question?

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:31:01 GMT

My AMEX BCP is the most valuable card to me with the gas and grocery CB. Plus the offers are good.

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:35:46 GMT

you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:

QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs

DC is nice cause 2% back but they gave me a stingy $3k limit

BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:36:57 GMT

Discover Card.... because of the cashback, and it and Amex were cards I always wanted to have.

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:41:16 GMT

the simplest, highest % cash back with the lowest % apr card I had at that time.

However the dream team of 3 cards today for me would be

Citi DC or Capital One Spark 2% cash back for general spend

Citi HHonors Reserve card for travel related value(no cash back card equals the Value this card gives if 10k spend or more is used per year)

Amex BCP or your favorite 5% cash back categories card if you don't like amex

But I'm crazy so I'm probably going to have a bunch of different cards that I use to maximize savings. I totally understand how people can get caught up chasing rewards, but I am very frugal and I truly only buy things I need at the lowest cost, so basically a 2% cash back card is just adding to the likely 15%-20% off I'm already getting because I refuse to buy things full price, and of course the very true lower risk of using a credit card.

Re: If you could only have one card... which one?

myjourney — Tue, 12 Apr 2016 20:42:16 GMT

@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards

How did you ask the question and then come back with 1 as the answer with thoughts of 3 more ....Lol

Re: If you could only have one card... which one?

Mattopotamus — Tue, 12 Apr 2016 20:42:45 GMT

Probably the Double Cash. It is the best single card to have IMO.

Is it bad that I'm using my discover it card just because it is the hockey playoffs, and I feel the need to represent my pens?

Re: If you could only have one card... which one?

kdm31091 — Tue, 12 Apr 2016 20:43:18 GMT

Honestly, probably my BOA wildlife cash rewards. Not the best earning in the world, but I use them for checking, so it's easy to keep track of everything, and goes to a good cause.

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 20:43:52 GMT

@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards

Eh, you said one under the assumption we are not breaking the law by having 3 cards. So which is it?..

Re: If you could only have one card... which one?

galahad15 — Tue, 12 Apr 2016 20:51:45 GMT

Hmm, that would indeed be a tough call for me to make, but if it came down to one and only one, I'd keep my BoA Cash Rewards WMC, primarily b/c of the single-digit fixed APR plus the 3-2-1 rewards combo that I have with it. I have other cards with nominally-lower, variable-rate APRs, but I prefer the stability of the low fixed-rate APR, so for me personally, fixed-rate wins.

Re: If you could only have one card... which one?

Creditplz — Tue, 12 Apr 2016 20:51:44 GMT

Probably AMEX BCP

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 21:07:52 GMT

@myjourney wrote:
@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards
How did you ask the question and then come back with 1 as the answer with thoughts of 3 more ....Lol

lol that's sort of why I asked... I thought about it and then realized I don't know if I can really decide and I only have 3 real cards... I wanted to know what kind of thought process people went through that have like 10+ cards

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 21:09:48 GMT

@Anonymous wrote:
@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards
Eh, you said one under the assumption we are not breaking the law by having 3 cards. So which is it?..

ok ok you can move to canada and travel to US for work to get around the law

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 21:19:29 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards
Eh, you said one under the assumption we are not breaking the law by having 3 cards. So which is it?..
ok ok you can move to canada and travel to US for work to get around the law

Hah.. Got it..

Re: If you could only have one card... which one?

EdMan63 — Tue, 12 Apr 2016 21:24:46 GMT

If it was my existing cards it would be my CSP. I travel and it has no FTF. And It pays double for restaurants which is probably my biggest day to day expense.

Re: If you could only have one card... which one?

myjourney — Tue, 12 Apr 2016 21:34:46 GMT

@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:
you know, I don't know... it'd be a tough choice for me...

I wouldn't keep the slate, old useless card with $1500 CL

the other 3 I would have to think hard about:
QS is straight forward and simple... plus $10k limit is my highest by far and not FTFs
DC is nice cause 2% back but they gave me a stingy $3k limit
BoA Cashback is meh... $5k limit, but it is a UofM alumni card so that's fun...

realistically I think I'd keep my Cap1 QS... not sure if the extra 0.5% CB is worth giving up higher limits and simpler everyday rewards
How did you ask the question and then come back with 1 as the answer with thoughts of 3 more ....Lol
lol that's sort of why I asked... I thought about it and then realized I don't know if I can really decide and I only have 3 real cards... I wanted to know what kind of thought process people went through that have like 10+ cards

Oh I see ROFLOL

I have over 20 and know there's no way I could narrow it down to 1 let lone top 10

So I guess I'm going on the lam from the law deep underground and they're not taking me alive

Re: If you could only have one card... which one?

Anonymous — Tue, 12 Apr 2016 21:38:36 GMT

Fidelity Amex.

Re: If you could only have one card... which one?

red259 — Tue, 12 Apr 2016 21:43:33 GMT

@Anonymous wrote:
As the title says... imagine that if tomorrow they passed a law that said you could only keep one card... what would you keep (or get a new one)?

Ink plus card. 5x URs on cable/internet/cellphones/.office supplies and allows me to transfer directly to chase travel partners and it has no FTF.

Re: If you could only have one card... which one?

JustBPatient — Tue, 12 Apr 2016 22:06:02 GMT

BCP