topic Re: Favorite card and why in Credit Cards

Favorite card and why

Anonymous — Wed, 16 Nov 2016 01:18:42 GMT

So I use a number of different cards for different things- discover for the rotating categories (currently amazon and sams club for Christmas shopping) PenFed for groceries and Walmart (super Walmart is counted as a grocery store to PenFed, mine is anyway), and my default everyday card has been the freedom unlimited (with sapphire combo) but lately citi D.C. Is really becoming my favorite card- the price rewind got me 187 bucks back so far on an iPad and it's still pre-black Friday! So 2% plus price rewind goes a long way with me- what's your favorite card?

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 01:27:30 GMT

Right now my Double Cash is my favorite. Put everything on it except amazon on Discover and some category spend with my freedom, groceries and gas with Amex. So my double cash and BCP are my favorites. Just bought a chest freezer and Citi had found a price somewhere for 30$ cheaper on my first price rewind. I'm also happy Citi bumped me up from 3k to 15k. The utilization was killing me at 3k.

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 01:44:06 GMT

Basic, but the Amazon Store Card, and my British Air Visa. Chase has treated me extremely well and given me retention bonuses, and BOGO certificates.

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 02:07:03 GMT

Chase sapphire reserve, but my Amex PRG is a close second!

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 02:13:32 GMT

Currently Chase United Mileage Plus Explorer. Everything goes on it.

Re: Favorite card and why

darwin_wins — Wed, 16 Nov 2016 03:16:12 GMT

CSR is so far my go to card. And may be next year I will put everything on United MPE

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 03:21:18 GMT

I love my Discover Card right now cuz the first year they double my cash back.

Other than that... I guess my US Bank Cash + for the 2X5% Categories and the 1X2% one. I don't have tons of good cards tho cuz I'm just starting to get to the "good" Credit phase, and really that's only on TU.

Re: Favorite card and why

wasCB14 — Wed, 16 Nov 2016 04:02:33 GMT

Seeing as I'm answering from an Admirals lounge, about to fly a fairly cheap revenue flight paid for with TYs, I'm going to go with Prestige...

...but I'm not keeping it post-nerf without retention!

Re: Favorite card and why

Viva-LV — Wed, 16 Nov 2016 04:06:42 GMT

Am Ex Plat: all-time favorite. Right behind it: Marriott Rewards. All about the points and stays!

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 04:13:30 GMT

Easy, USAA Limitless!
I've only had it a few weeks, but the rewards are adding up quickly. If I could only have one card, this would probably be it (most of our spend is non-category). My husband appreciates the simplicity (and not getting in trouble for using wrong card) Lol

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 04:18:57 GMT

@Anonymous wrote:
Easy, USAA Limitless!
I've only had it a few weeks, but the rewards are adding up quickly. If I could only have one card, this would probably be it (most of our spend is non-category). My husband appreciates the simplicity (and not getting in trouble for using wrong card) Lol

Hopefully soon to be my favorite ^

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 06:14:10 GMT

Csr is a must have card because of the 3x dining and travel, flight credit, goes credit, 1.5x UR bonus, and a flexible starting limit
Freedom unlimited is my must have card because it turns all of my 1.5 purchases to 2.25 when redeems through UR.

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 06:56:40 GMT

Welp! I have spent the year paying off and getting rid of cards so for now I have been using amazon for books and little stuff and cap one for everything else. I still have a utilization problem so until that gets resolved I think I will be on this program but ultimately once I finish getting my credit in order (hopefully by summer) then navy fed should increase my limit and that can become my main card until 2019 when my bk falls off. It has been a loooooong road!

Re: Favorite card and why

Loquat — Wed, 16 Nov 2016 12:21:53 GMT

Lowes...why? Because it means I'm usually getting something I really want! and not just paying for routine items or monthly bills. But for recurring monthly bills it CSP...daily spending gets split between CapOne QS and PenFed Plat Rewards.

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 12:33:35 GMT

Just obtained a new CSR and an upgraded PRG. Those are my top 2 and most expensive cards. My other 4 no AF cards will get some use too but the CSR will get a workout when it arrives. Cheers!

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 13:00:05 GMT

I'd say Discover at this point since I'm in my first year with them. They started me at a decent limit, give me ~$4k CLIs every month and I just the double back especially with the rotating categories. I'm sure when Year 1 is over some of my Discover spend will move to other cards, but I'm enjoying riding the Discover wave right now.

Off topic here, but could someone explain the Citi DC price rewind thing? I get how it generally works, they find a better price on something and you get credit for it I assume but does anyone have more details? Do they search for better prices on anything you buy, or is it certain items (like high ticket items) only? Do you have to do anything on your end? How can they refund the difference and not lose a ton of money? For example, I can find a TV for $500 online and with some searching find the same exact TV for $1000 from some over priced vendor. If I intentionally buy it from that over priced vendor with a DC card, am I really to believe that they'll just credit the $500 difference to me as if I purchased it from the lower priced spot? How can they do this and make money? Thanks for the insight on Price Rewind for whoever takes the time to respond.

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 15:00:09 GMT

SPG Card followed very closely by the AmEx Platinum. I take a vacation just about once a month so I'm able to rake in SPG points with so much ease with all the bonuses and opportunities they give every month. Platinum is my main airline card now since the 5x points thing started (which renders my PRG useless at the moment). Between my cards, I'm in like SPG/Delta heaven.

Re: Favorite card and why

galahad15 — Wed, 16 Nov 2016 19:38:25 GMT

My current #1 favorite card is my PACU MC, b/c of the 7.50% F APR plus 1.5x rewards points / $1 spent.

Other faves: BoA Cash Rewards WMC (9.99% F plus 3-2-1 rewards), Unify FCU VISA (also 9.99% F), and FNBO Amex (6.50% V plus 1.5% cashback / $1 spent)

Re: Favorite card and why

Anonymous — Wed, 16 Nov 2016 20:16:01 GMT

My favorite card is Citi Double Cash if I have to choose one. Otherwise it's the card that best matches the purchase!

Card	Use for
BankAmericard Better Balance Rewards	$30 per quarter - Netflix, cash back deals, 1% ftf
Blue Cash Everyday	3% supermarket, 2% gas + 10% verizon bill
Discover it® Credit Card	5% Amazon, Department Stores, & Sam's Club
Everyday Card	2x pts uber, supermarket
Citi® Double Cash Card	2% all purchases
Chase Freedom®	5% Drug Stores, Costco, Sam's Club, & Department Stores
Premier Rewards Gold Card	3xpts flights/2xpts restaurants, gas, supermarket
CareCredit Credit Card	rite aid

Re: Favorite card and why

Blodreina — Fri, 18 Nov 2016 13:22:41 GMT

@Anonymous wrote:
I'd say Discover at this point since I'm in my first year with them. They started me at a decent limit, give me ~$4k CLIs every month and I just the double back especially with the rotating categories. I'm sure when Year 1 is over some of my Discover spend will move to other cards, but I'm enjoying riding the Discover wave right now.

Off topic here, but could someone explain the Citi DC price rewind thing? I get how it generally works, they find a better price on something and you get credit for it I assume but does anyone have more details? Do they search for better prices on anything you buy, or is it certain items (like high ticket items) only? Do you have to do anything on your end? How can they refund the difference and not lose a ton of money? For example, I can find a TV for $500 online and with some searching find the same exact TV for $1000 from some over priced vendor. If I intentionally buy it from that over priced vendor with a DC card, am I really to believe that they'll just credit the $500 difference to me as if I purchased it from the lower priced spot? How can they do this and make money? Thanks for the insight on Price Rewind for whoever takes the time to respond.

Sure. They don't search for better prices on any purchase; the feature has its own online portal. You have to submit the purchase for review (search the item in their database, indicate how much you paid for it, and where you bought it). Then, you upload the receipt (optional but they may request it, so I always do it anyway). For that item, if they find a lower price within 60 days, they refund the difference. There are limits to it, of course (up to $500 per item, up to $2500 total per year).

In your example, I suppose you could do that intentionally. But, why would you? Buying the item $500 cheaper is exactly the same as getting refunded the difference, only it occurs later.