topic Re: Best Credit Cards for 2018 in Credit Cards

Best Credit Cards for 2018

800who — Fri, 08 Jun 2018 13:43:26 GMT

I'm sure there is a forum out there on this topic already, however I wanna hear opinion's on best cards right now. I'm mainly interested in cash back type cards, but open to all opinions, plus new cards people have gotten that they like or dislike for 2018! Thanks!

EDIT: I want to hear what people are using for travel cards... I'm not a traveler, but I would like to be so if I could get a card that could help with a vacation of some sort then all the better!

Re: Best Credit Cards for 2018

Sloedough — Wed, 06 Jun 2018 12:02:41 GMT

Best is subjective. It depends on some factors.

Chase

If you bank with Chase, their cards are great. Still great if you don't.

- Freedom - Higher cash back with rotating categories

- Freedom Unlimited - Cash back at a flat rate

- Sapphire (Preffered or Reserve) - Point card, but if paired with a Freedom, you can transfer the points from/to a cash back card.

American Express

Amex offers some great cash back cards.

- Blue Cash - 3% back on groceries and 2% back on gas

- Blue Cash Preffered - 6% back on groceries and 3% back on gas, however has a $95 annual fee.

Capital One

Capital One offers some good cash back cards

- Quicksilver - 1.5% back on all purchases, no annual fee (The One version has a $39 annual fee)

- Savor - Don't know the details, but is good if you eat out alot.

This is subjective. I do not have a relationship with Discover, Citi or anyone else. These are the 3 companies I deal with. Your situation may be different.

Re: Best Credit Cards for 2018

darkpearl — Tue, 05 Jun 2018 20:45:09 GMT

I am loving my Uber card. Definitely recommend.

Re: Best Credit Cards for 2018

Kforce — Tue, 05 Jun 2018 21:51:33 GMT

Same as 2017.

See my signature

Re: Best Credit Cards for 2018

Anonymous — Tue, 05 Jun 2018 23:03:21 GMT

I like Chase because it is easy to get the 5% cashback on Amazon and Gas. You have to activate them once in a while on none Amazon Chase cards, such as Slate and Freedom.The problem is my credit limit on each card that wouldn't budge.. 16 years (1 CLI), 11 years (1 CLI) and 4 years (1 CLI). I guess I need to apply with HP to get them increased.

American Express, once you have an account you can apply for other accounts with SP through their offers (info that I gathered). 1%,3%,6% cashback and generous CLI on my BCP. Best card ever but with annual fee $95.

Citibank has automatic discount (three months period) on purchased. However, you have to talk to a representative sometimes to give you the 5% discount on any purchased you made at least that is what I have received on mine.

Capital One ----> No more CLI like 6 months or 1 year. Low cash back per centage so not recommended anymore. 11 years 2 months, 11 years, 2 months, 15 years 9 months.

Re: Best Credit Cards for 2018

kilroy8 — Tue, 05 Jun 2018 23:10:21 GMT

Discover IT. With cashback match, 14 mo/0% intro rate. Unrivaled 10% back on the quarterly categories (up to $150 earned per quarter) 2% on everything else. You can also get 10% on the Discover Deals (Target online, etc.) with no max.

And no annual fee!

Re: Best Credit Cards for 2018

Anonymous — Tue, 05 Jun 2018 23:14:39 GMT

Nice cash back! They sent me an offer but at the moment I cannot apply for any credit card because I still trying to get mortage soon. I will apply for Discover next time once mortage application is done. I also heard Discover is very generous with their CLI too.

Re: Best Credit Cards for 2018

sarge12 — Tue, 05 Jun 2018 23:24:39 GMT

@800who wrote:
I'm sure there is a forum out there on this topic already, however I wanna hear opinion's on best cards right now. I'm mainly interested in cash back type cards, but open to all opinions, plus new cards people have gotten that they like or dislike for 2018! Thanks!

Chase Amazon Prime Visa Signature card is my most used card....no other card even comes close...but I'm disabled, and get almost everything except groceries through Amazon.

Re: Best Credit Cards for 2018

AverageJoesCredit — Wed, 06 Jun 2018 00:32:06 GMT

Best Credit Cards for 2018 are ones that will approve you

Re: Best Credit Cards for 2018

wasCB14 — Wed, 06 Jun 2018 01:41:43 GMT

@Sloedough wrote:
Capital One
Capital One offers some good cash back cards
- Quicksilver - 1.5% back on all purchases, no annual fee (The One version has a $35 annual fee)
- Savor - Don't know the details, but is good if you eat out alot.

QS1 has a $39 AF, not $35.

But it's hard to call even a no-AF 1.5% card one of the best (unless someone is rebuilding) when there are so many 2%+ cards around.

Re: Best Credit Cards for 2018

MrDisco99 — Wed, 06 Jun 2018 03:47:33 GMT

If I was starting a cash back portfolio from scratch...

Citi DC - 2% on everything, catch-all card, plus price rewind handy for retail purchases

Barclay Uber - 4% on restaurants and 3% on flights and hotels, no FTF handy for travel

Amex BCE or BCP - 3% or 6% on groceries, best option depends on how much you spend per year

Chase Freedom or Discover It - 5% rotating categories

That about covers it.

Re: Best Credit Cards for 2018

Anonymous — Wed, 06 Jun 2018 04:18:38 GMT

@Sloedough wrote:

- Sapphire (Preffered or Reserve) - Point card, but if paired with a Freedom, you can transfer the points to a cash back card.

True, but this would be an unusual direction! Certainly little point in paying the CSP fee after the first year if you are doing this (as it becomes a 2% somewhere card with a large AF) And Reserve would be very niche after the SUB (if you have enough 3% categories and/or valued things like the lounge access).

Also, you can redeem the URs at 1c each directly from the CSP/CSR, don't need to transfer to Freedom.

Re: Best Credit Cards for 2018

Anonymous — Wed, 06 Jun 2018 06:17:10 GMT

Same. I use my Uber card for pretty much everything now. Highly recommend for Best Card of 2018.

Re: Best Credit Cards for 2018

wasCB14 — Wed, 06 Jun 2018 06:29:35 GMT

@Anonymous wrote:
@Sloedough wrote:

- Sapphire (Preffered or Reserve) - Point card, but if paired with a Freedom, you can transfer the points to a cash back card.

True, but this would be an unusual direction! Certainly little point in paying the CSP fee after the first year if you are doing this (as it becomes a 2% somewhere card with a large AF) And Reserve would be very niche after the SUB (if you have enough 3% categories and/or valued things like the lounge access).

Also, you can redeem the URs at 1c each directly from the CSP/CSR, don't need to transfer to Freedom.

It would be a bit odd for someone to value lounge access and yet take 1 cpp over 1.25/1.5 pay-with-URs redemptions!

(Obviously, it makes more sense after changing "to" to "from".)

@Anonymous wrote:
Same. I use my Uber card for pretty much everything now. Highly recommend for Best Card of 2018.

Quite good for a no-AF card...but for significant travel/dining spend (Uber and UberEats included) CSR crushes it like a bug.

Re: Best Credit Cards for 2018

Sloedough — Wed, 06 Jun 2018 11:48:04 GMT

@wasCB14 wrote:
@Sloedough wrote:
Capital One
Capital One offers some good cash back cards
- Quicksilver - 1.5% back on all purchases, no annual fee (The One version has a $35 annual fee)
- Savor - Don't know the details, but is good if you eat out alot.
QS1 has a $39 AF, not $35.

But it's hard to call even a no-AF 1.5% card one of the best (unless someone is rebuilding) when there are so many 2%+ cards around.

Thanks for pointing out the AF, I corrected it.

As for adding the QS card. Cap1 has always been good to me and the QS is comparable to the CFU. It is not a bad card.

Re: Best Credit Cards for 2018

Sloedough — Wed, 06 Jun 2018 11:54:28 GMT

@Anonymous wrote:
@Sloedough wrote:

- Sapphire (Preffered or Reserve) - Point card, but if paired with a Freedom, you can transfer the points to a cash back card.

True, but this would be an unusual direction! Certainly little point in paying the CSP fee after the first year if you are doing this (as it becomes a 2% somewhere card with a large AF) And Reserve would be very niche after the SUB (if you have enough 3% categories and/or valued things like the lounge access).

Also, you can redeem the URs at 1c each directly from the CSP/CSR, don't need to transfer to Freedom.

Just trying to point out that Chase's Ultimate Rewards has flexable points. There are a ton of things you can do with them. They are probally the most valuable points out there.

Re: Best Credit Cards for 2018

800who — Wed, 06 Jun 2018 14:13:19 GMT

Thanks to everyone for all the feedback! I've heard a lot of good things about Citi DC with its 2% and BC Uber with 4% on resturants etc... any other 2% cards out their with no AF?

Re: Best Credit Cards for 2018

Brian_Earl_Spilner — Wed, 06 Jun 2018 14:35:42 GMT

I haven't read the replies, but I'm gonna guess everyone is saying Chase and Amex for rewards, plus Discover, NFCU, and Uber.

Re: Best Credit Cards for 2018

toadsworth — Wed, 06 Jun 2018 14:58:32 GMT

Synchrony PayPal Cashback Mastercard, straight 2% cash back no cap, redeem instantly anytime, no redemption minimum, easy SP CLIs. Not sure why this one isn’t way more popular than the Citi double cash. In 6mo I went from $3000 SL to $10000. Also, if you have the PayPal business debit card, you can use this card as backup funding and get the 1% cash back from that plus the 2% from the MasterCard, as well as redeem your cash back instantly for cash from an ATM since it goes into your PayPal account.

Re: Best Credit Cards for 2018

Anonymous — Wed, 06 Jun 2018 16:20:56 GMT

Fidelity Visa/Citi DC 2% everywhere - Fidelity for Bills and Citi DC for all other purchases that don’t fit a category.

Cap 1 Savor - 3% on restaurants

Discover - 5% on categories

Of course I have hotel and airline cards that are only used if I’m staying at their hotel or flying their airline.

That about sums up my system. I have a BOA cash rewards that I use to use for gas (3.3%) but since I only gas up my car twice a month I just throw gas purchases on my Citi DC. Not to mention, BOA won’t increase my limit from 2k so that contributed as well.