topic Re: What is the Best Credit Card to Have Overall? in Credit Cards

What is the Best Credit Card to Have Overall?

The-Credit-Disciple — Wed, 25 Jul 2018 20:28:04 GMT

I really Like Amex and Discover. There Customer service has been Awesome

Re: What is the Best Credit Card to Have Overall?

Zolomon — Wed, 25 Jul 2018 20:37:22 GMT

The Amex Blue Business Plus for 2x on everything is top notch.

Re: What is the Best Credit Card to Have Overall?

dragontears — Wed, 25 Jul 2018 20:42:06 GMT

On an individual person bases, the best card is one that matches your normal spend
There is NO universal "best" card

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 20:46:33 GMT

@The-Credit-Disciple wrote:
I really Like Amex and Discover. There Customer service has been Awesome

Really depends on where you are in life.

For me as a college student that lives far from home. Amex is my favorite, Citi and Discover close behind

In 10 years, I'll probably say AMEX PR Plat or equivalent.

Re: What is the Best Credit Card to Have Overall?

sdsoccerdad — Wed, 25 Jul 2018 20:46:36 GMT

Agreed. Best card is what gives you the best benefits to match your spending style and needs.

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 20:48:07 GMT

...Someone else's!

Re: What is the Best Credit Card to Have Overall?

wasCB14 — Wed, 25 Jul 2018 20:51:39 GMT

@Zolomon wrote:
The Amex Blue Business Plus for 2x on everything is top notch.

...until you hit the $50k cap!

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 21:10:45 GMT

I would say any of the cards i own.

I dont do a terrible lots of spend other then necessary utilities etc.

However, if I had to pick one, it would be any with the highest limits to keep my utility % down low.

my disco and BOA are tied right now lol.

Also the new cards to acheive the SUBs

Re: What is the Best Credit Card to Have Overall?

Adkins — Wed, 25 Jul 2018 21:29:53 GMT

Credit One.

Re: What is the Best Credit Card to Have Overall?

wasCB14 — Wed, 25 Jul 2018 21:36:28 GMT

wrote:
Credit One.

In some very literal sense of the question, Centurion or JPMR. If you have one or both of those, you're probably doing something right!

Centurion is a charge card, though.

Maybe something only marketed to oligarchs.

Re: What is the Best Credit Card to Have Overall?

coldfusion — Wed, 25 Jul 2018 21:34:55 GMT

@Adkins wrote:
Credit One.

Too bad we can't give posts a thumbs-down

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 21:43:38 GMT

While there is no one best card for everyone, I dislike Discover. They were the worst to deal with and never respected me at all. Couldn’t get a high enough credit line and they wanted to give me 0% purchases on a low limit card which would have killed my utilization. Also I lost rewards points with them as well. With the lack of acceptance as well, there is no reason to use Discover. Benefits are inferior compared to high tiered Visa Signature or World Mastercard Elite cards. I will not use Discover again. Once they cancelled my accounts for nonusage, I will not go back.

I really like my Capital One Savor World Mastercard Elite. Lots of great benefits and customer service has been good to me along with my high credit line with really nice ongoing rewards that are easy to redeem.

American Express Hilton Honors card has been good as well with good benefits and high credit line.

These are my two favorite cards right now and the ones I use mostly.

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 22:43:37 GMT

Nothing beats Discover during first year cashback match, not going to find 10% category anywhere else, I also used it for all generally spending at 2% while my PenFed 2% PCR sat idling for a year until recently, I wonder if I should get another IT and do it all over again.

Re: What is the Best Credit Card to Have Overall?

Anonymous — Wed, 25 Jul 2018 23:43:24 GMT

I disagree on Discover being any good based on what I already posted. I left a lot of bad issuers over time.

JP Morgan Chase on some cards cut back on benefits. If they haven’t for top end products, like a true JP Morgan card, at the high end they are probably excellent as well.

My spend doesn’t make annual fee cards worth it so I go for high reward cards with good benefits.

Barclays also has great offerings as well. The credit card market for top tier credit cards is huge so when one issuer does you wrong, you can continue to use issuers who respect you and earn your trust.

Re: What is the Best Credit Card to Have Overall?

morgacj2004 — Wed, 25 Jul 2018 23:54:59 GMT

Agreed there is no one universal best card. If there was we would all have it and this forum would no longer be needed

Re: What is the Best Credit Card to Have Overall?

Anonymous — Thu, 26 Jul 2018 03:16:56 GMT

Best low annual fee = amazon prime visa

5% back on amazon and whole foods purchases, 2% back on gas, restaurants and drug stores, 1% on everything else. no foreign trans fee + free 2 day shipping on amazon, and the card is made out of metal. reward points can be redeemed for credit, gift cards or travel

Best non-annual fee = Discover it

5% back on rotating categories, generous credit lines, great 24 hour US based customer service

Re: What is the Best Credit Card to Have Overall?

Kforce — Thu, 26 Jul 2018 00:07:40 GMT

The one you don't have yet

Re: What is the Best Credit Card to Have Overall?

Cookiegrabber — Thu, 26 Jul 2018 00:41:01 GMT

If someone made a high cashback category for "Schools", that would be #1 for students and parents with kids in private school. It's my single largest spend at $350/mo. and will nearly double when my son turns 5.

Right now, Amazon spend is next at $200-300/mo. so Discover will be best in Q4 this year, followed by an Amazon Prime store card or signature card next year if i can get one by then.

Dining benefits would've been best for the 7 years in my 20s I was dating DW since dining (and drinking!) spend was easily $2k+/mo.

So yeah, what a lot of people said -- your best card depends on YOU.

Re: What is the Best Credit Card to Have Overall?

UpperNwGuy — Thu, 26 Jul 2018 01:15:37 GMT

When you're not traveling, the best credit card overall has to be the PenFed Power Cash Rewards. it gives 2% cash back on everything without all the nonsense of Citi Double Cash and the other 2% cards.

When traveling, the best credit card overall is either the Chase Sapphire Reserve or the American Express Platinum. If you live in a United hub (like me), the Chase is better. If you live in a Delta hub (like Atlanta), the Amex is better.

Re: What is the Best Credit Card to Have Overall?

galahad15 — Thu, 26 Jul 2018 19:54:32 GMT

@The-Credit-Disciple wrote:
I really Like Amex and Discover. There Customer service has been Awesome

Just mho and my own personal $0.02, but the best credit card a person can have is a card that has the combination of a good rewards program, plus an ultra-low, single-digit (preferably fixed-rate) APR. Covers all possible bases -- rewards plus a very low APR, just in case you ever have a need to revolve a balance.