topic Re: What is your favorite card and why? in Credit Cards

What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 17:27:51 GMT

Which card is your favorite and why? Is it simply the design of the card, the reward opportunities, the elite aspect?

Just curious what everyone's fave is & why

Re: What is your favorite card and why?

lokobo — Sat, 13 Aug 2016 17:34:11 GMT

Am I allowed to say Chase Sapphire Reserve?

If not, then Blispay

Hidden tradeline, so I don't have pressure to PIF each month and no interest for 6 months. Hassle free, automatic 2% reward structure.

Re: What is your favorite card and why?

mitchblue — Sat, 13 Aug 2016 17:40:47 GMT

Hard question but still my Sallie Mae I guess. 5% on 3 big things, gas-grocery (including walmart) and Amazon.

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 18:14:24 GMT

PCMCU Platinum Rewards Mastercard. It's 5% back on anything up to $1000 per month.

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 18:35:56 GMT

I really really really liked me Chase Amazon...... UNTIL I joined this board and realized it's not so great lol!

I'll be apping for the United Card tomorrow. That'll probably be my fav..

Re: What is your favorite card and why?

mitchblue — Sat, 13 Aug 2016 18:38:13 GMT

@Anonymous wrote:
PCMCU Platinum Rewards Mastercard. It's 5% back on anything up to $1000 per month.

That is awesome. Too bad I don't live near there..

Maybe we're long distant cousins..

Re: What is your favorite card and why?

CreditJim — Sat, 13 Aug 2016 18:38:42 GMT

It has been the Citi Prestige for me. Almost the perfect card for my needs. That'll be changing soon though now that they're ruining it.

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 18:46:14 GMT

I just posted a thread asking about which citi card is the best, why do you say they are ruining the prestige card?

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 18:51:59 GMT

Because they nerfed the heck out of it!

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 19:27:00 GMT

Sallie Mae. Because it's 5% cash back on groceries and gas.

Re: What is your favorite card and why?

_NERD — Sat, 13 Aug 2016 19:38:51 GMT

Unity The Comeback Card

Why: it sounded funny in my head to say that. (=

Re: What is your favorite card and why?

elim — Sat, 13 Aug 2016 19:54:04 GMT

RC is def my favorite. Great refunds, benefits and rewards at our Marriott stays. Also, it's truly a sweet CC.

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 19:54:48 GMT

RC is a pretty card!! I would be lying if I didn't say that the appearance of the card is usually the first reason I research the card

Re: What is your favorite card and why?

Anonymous — Sat, 13 Aug 2016 19:55:31 GMT

The CSP says it has a 'sleek metal design,' I see in your sig that you have one. Is it actually heavy and metal? Lol

Re: What is your favorite card and why?

elim — Sat, 13 Aug 2016 20:47:46 GMT

@Anonymous wrote:
The CSP says it has a 'sleek metal design,' I see in your sig that you have one. Is it actually heavy and metal? Lol

CSP is a metal core (tin can thickness) between 2 plastic sheets. The card weighs 1/2 oz. Ritz is solid metal card and weighs 1 oz. It makes a loud "clang" when you drop it on a counter, The CSP does not.

Re: What is your favorite card and why?

Xistaben2 — Sun, 14 Aug 2016 02:54:57 GMT

My favorite card is my AMEX EDP. It's fairly new to me still, but I am absolutely loving the dynamics of the card. So much so that I have put all of my spend through it where I can. I've said it in some other threads, I think it is the most underrated card out there.

It is a powerhouse for getting MR's which can easily be valued at 1cpp or much much more if you know how to do it. Even at 1cpp only, it essentially breaks down like this (assuming you maintain 30 transactions a month, which I've found is extremely easy):

4.5% on Groceries (up to $6000 a year, then 1.5)

3% on Gas

2% on Travel booked through AMEX Travel (pretty sure this happens, haven't tried it yet - also not sure if the 50% bonus applies making it 3% essentially?)

1.5% on Other

I signed up with a 30k offer after 3k spend and 0% APR for 15 months, 13.24% after that (which I am sure I can get down by then). On top of all of that, you get access to the AMEX offers which I've found are incredibly useful. Between the 2x the points on Amazon purchases which just ended, 2x the points on Best Buy, cash back on Hulu and various other local offers - I've more than made up the $95 AF just in offers alone.

It's just a beast of a card and with MR transfer bonuses that pop up, one can seriously jack up the value of their MR's. Use this card in conjunction with like a PRG (which I don't have yet) and it's unstoppable. Just my opinion though.

Re: What is your favorite card and why?

Anonymous — Sun, 14 Aug 2016 02:58:02 GMT

@Anonymous wrote:
PCMCU Platinum Rewards Mastercard. It's 5% back on anything up to $1000 per month.

The APR is also below 10% on that card for the time being.

Re: What is your favorite card and why?

Anonymous — Sun, 14 Aug 2016 03:04:46 GMT

That's like asking a parent to choose their favorite kid.

I love my QS which was PC'd from my Plat, because Cap1 was the first to offer me a no AF card and they gave me a decent increase on month 5.

I love my CFU because it was my first rewards card (Pc'd the QS after this one) and they gave me a decent card right off the bat.

I love my CU card because it has a low APR if I need to carry a balance.

I love my BCE becuase who doesn't need gas and groceries?

Next on my list is marvel, and I will love it because I work 12 hour shifts so we eat out a lot.

Re: What is your favorite card and why?

righthererightnow — Sun, 14 Aug 2016 03:18:05 GMT

Cap1 Quicksilver, lovely rewards, nice sign up bonus, and EASY to use website, also easy (so easy) to apply rewards.

Re: What is your favorite card and why?

Anonymous — Sun, 14 Aug 2016 03:23:52 GMT

@elim wrote:
RC is def my favorite. Great refunds, benefits and rewards at our Marriott stays. Also, it's truly a sweet CC.

I was recently approved for this card. Can't wait to get it!!! This may be my new favorite and my AMEX Platinum will be second.