topic Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo in Credit Cards

Best Overall Credit Card that you have Overall? In 3-2-1 goooo

The-Credit-Disciple — Mon, 06 Aug 2018 16:01:18 GMT

Great Morning Fico Family😀😁

Best overall Credit Card that you have, not "creditCards"(Plural) just to be more clearer.
For me its The Amex Everyday Blue Cash card because of the Versatility of it. 3% cash back at Grocery stores, 2% cash back at Gas stations which is awesome because I drive at 500 miles a week, and no i don't have a Hybrid 😂. 1% cash back on everything else and plus The actual credit card is "Gorgeous" and plus Amex have been showing me some love and Iove them to.

For

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Anonymous — Mon, 06 Aug 2018 16:09:59 GMT

Discover IT because my card stayed maxed out for about 2+ years -- and I mean right up against it, like 7992 out of 8000 -- while I was struggling to stay afloat, and when I started making some headway paying my balance down they never balance chased after me. When I got my balance to 5500 they approved a 4K CLI, plus another 3K card.

I'm not sure I can truly measure how valuable that was to me. Let's just say, VERY.

Oh, and they have cash rewards too.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

The-Credit-Disciple — Mon, 06 Aug 2018 16:13:14 GMT

Thats awesome that they did not come after you. Kudos to Discover and for you paying it down

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Anonymous — Mon, 06 Aug 2018 16:23:40 GMT

Don’t know if it’s my best card, but I’m currently using WF Propel as my main. They were kind enough to PC me from platinum to Propel with a SP and still give me the SUB.

I want my $300 dollars!

Will probably use this to replace my Marvel as the primary daily driver because of the 3% on gas.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

kerplunk — Mon, 06 Aug 2018 16:28:20 GMT

The question should be: “If you could only have one card, what would it be?”

I think that answer is Citi Double Cash.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Anonymous — Mon, 06 Aug 2018 16:31:02 GMT

Really tough one for me, My TD card with 3% food, 2% groceries has served me very well for 2 years and besides when disco has it's 5% on resturants (like now ) it's been my daily go to. Amazon Card pays for itself since prime is almost a mandatory expense for me so it's super helpful. I'm going to lean in and say my DC is my current best though. 2% back on everything since I PIF every month makes it the best daily go to card I have. I can get fancy with my travel cards and at resturants or rotational benefits, but knowing I'll get at least 2% back makes all my "mandatory" purchases sting far less.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Peteyglad — Mon, 06 Aug 2018 16:33:37 GMT

My most used card is my AMEX EDP. The 30 swipes is easy and I value a MR at roughly $.02 so the value really adds up.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Anonymous — Mon, 06 Aug 2018 16:41:34 GMT

Well if the question is about one card only, it would be my paypal 2%

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Kforce — Mon, 06 Aug 2018 16:56:42 GMT

Most Used (Swipes) --- Bank of the West Cashback (3% Gas, Grocery, Restaurant, Fast Food).

Most cashback per month -- FNBO 2% Cashback - Visa

Highest Return per dollar spent -- US-Bank Cash+

Winner : Always go for the money

FNBO 2% Cashback - Visa

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

QuakerOatmeal — Mon, 06 Aug 2018 17:34:36 GMT

If I could pick just 1 credit card to keep it would be my BOFA Premium Rewards card.

Hands down the best card I have, and pays me back hand over fist every month in cash back!

Lots of people hate BOFA, but they've always treated me incredibly well, and have never given me an issue.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

CGeorge — Mon, 06 Aug 2018 17:02:22 GMT

Ally Cash Back Visa
Discover IT
American Express Blue Cash Everyday

And on a difference platform, the Amazon Prime store card is awesome (and I order A LOT from Amazon)....

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

rbentley — Mon, 06 Aug 2018 17:07:49 GMT

For me it is Bank of the West with its 3% rewards on gas, groceries and restaurants. For everything else it is my PenFed PowerCash rewards with its 2% on everything.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Zolomon — Mon, 06 Aug 2018 17:06:01 GMT

If were only allowed one card, it would be the Amex Blue Business Plus. 2x MR points on anything and everything (up to $50k). My wife and I are estimating an average spend of $40k a year on the card, so I'll be raking in 80k points every year.

Now if I could find a way to pay my monthly mortgage through this card, I could max out the benefits easily.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

Anonymous — Mon, 06 Aug 2018 17:08:01 GMT

@kerplunk wrote:
The question should be: “If you could only have one card, what would it be?”

I think that answer is Citi Double Cash.

Double Cash has 3 percent foreign transaction fee. So it wouldn't be my choice. If I only had one card it would be one that doesn't charge foreign transaction fees, had great car rental insurance, and had a huge limit. I think Thank You Premier would be a good choice as you can use the points for anything travel related and has no foreign transaction fee and good car rental coverage.

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

AverageJoesCredit — Mon, 06 Aug 2018 17:17:17 GMT

@kerplunk wrote:
The question should be: “If you could only have one card, what would it be?”

I think that answer is Citi Double Cash.

Lol, no because once that is asked it inevitably leads to a poster mention 2, 3, 4 cards that are their best card

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

AverageJoesCredit — Mon, 06 Aug 2018 17:18:17 GMT

@Kforce wrote:
Most Used (Swipes) --- Bank of the West Cashback (3% Gas, Grocery, Restaurant, Fast Food).
Most cashback per month -- FNBO 2% Cashback - Visa
Highest Return per dollar spent -- US-Bank Cash+
*
Winner : Always go for the money
FNBO 2% Cashback - Visa

See*

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

AverageJoesCredit — Mon, 06 Aug 2018 17:19:24 GMT

@QuakerOatmeal wrote:
If I could pick just 1 credit card to keep it would be my BOFA Premium Rewards card.

Hands down the best card I have, and pays me back hand over fist every month is cash back!

Lots of people hate BOFA, but they've always treated me incredibly well, and have never given me an issue.

Many dont hate BOFA, just some dont do too well around Boa's

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

CGeorge — Mon, 06 Aug 2018 17:19:34 GMT

OK...allowed only one....

Then it would be Ally Cash Back Visa

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

AverageJoesCredit — Mon, 06 Aug 2018 17:20:06 GMT

@CGeorge wrote:
Ally Cash Back Visa
Discover IT
American Express Blue Cash Everyday
And on a difference platform, the Amazon Prime store card is awesome (and I order A LOT from Amazon)....

Uhm, 1 please

Re: Best Overall Credit Card that you have Overall? In 3-2-1 goooo

imaximous — Mon, 06 Aug 2018 17:24:45 GMT

Altitude Reserve because of mobile wallet 3x. Plus 1.5x value if redeemed for travel, so for me, it's a 4.5x card on almost everything.