topic Your 2025 Card Recommendation/ My Cards in Credit Cards

Your 2025 Card Recommendation/ My Cards

AyaMai — Mon, 26 Feb 2024 23:38:00 GMT

My personal cards, have no interest in obtaining business cards, Capital One cards and definetely not Bank of America my primary bank.

American Express:

Amex Platinum

Amex Gold

Amex Green

Amex Hilton Aspire

Amex Hilton Surpass

Amex Marriott Bonvoy Brilliant

Amex Blue Cash Preferred

Amex Blue Cash Everyday

Goldman Sachs:

Apple Credit Card

GM Credit Card

Capital One:

SavorOne

Walmart

Platinum

Quicksilver

Comneity Bank:

NY Yankees Visa

Toyota Visa

NFL Las Vegas Raiders Visa

Bread Cashback

AAA Travel Visa

Synchrony Bank:

Sam's Club Mastercard

Google Financial

Amazon Store Card

Venmo

Synchrony Mastercaed

Paypal Mastercard

Paypal Credit

PenFed Credit Union:

Power Cash Rewards

Wells Fargo:

Choice Privileges Select Mastercard

Autograph

FNBO:

Evergreen

Best Western Rewards Premium Mastercard

Amtrak Guest Rewards Preferred Mastercard

Avant:

MLS Portland Timbers

Mission Lane:

Mission Lane Visa

Discover:

NHL Pittsburgh Penguins

Detroit Red Wings

Robinhood:

US Bank:

Cash+

Toyota Financial:

Auto Loan

Closed Credit Cards:

CreditOne

Petal

Authorized User on Bank of America Cash Rewards, Citi Costco, Capital Quicksilver & Venture, Chase Freedom Flex, Marriott Bold, IHG Premier and Amex Delta Gold. Once every six months I use the credit cards which I am an authorized user. P2 has Bilt Mastercard is used to pay rent. My utilization is between 0% and 1%. Will be under 5/24 Chase rule in January 2026 and 0/12 & 12/24 inquiries on January 2025. My Score Fico 8, Equifax 791, Experian 775, TransUnion 801

Re: Your 2025 Card Recommendation/ My Cards

Hoben02 — Tue, 27 Feb 2024 00:32:46 GMT

I'm seeing all those Amex travel cards so what are you looking for a travel rewards card?

Re: Your 2025 Card Recommendation/ My Cards

ptatohed — Tue, 27 Feb 2024 00:37:43 GMT

Ouch, I cringe thinking about the total in annual fees. It's hard for us to recommend any cards when 1.) It kind of seems like you have more than enough already but 2.) You provided no information for us to work with. Do you spend a lot in a certain category(ies) that you are trying to fill with high(er) rewards? Do you want high welcome offers? Balance transfer? Low intro rate? What is it you are trying to accomplish with your next card(s)?

Re: Your 2025 Card Recommendation/ My Cards

CorpCrMgr1 — Tue, 27 Feb 2024 02:30:51 GMT

Just being curious why no Chase?

Re: Your 2025 Card Recommendation/ My Cards

K-in-Boston — Tue, 27 Feb 2024 02:52:58 GMT

Why exclude BoA cards? Why are you team cash back with Amex revolvers when you have 3 MR-earning charge cards? What's with the random cities for every major sports league, and why is the southeast excluded?

Re: Your 2025 Card Recommendation/ My Cards

Shooting-For-800 — Tue, 27 Feb 2024 03:50:56 GMT

@AyaMai wrote:
My personal cards, have no interest in obtaining business cards, Capital One cards and definetely not Bank of America my primary bank.

American Express:
Amex Platinum
Amex Gold
Amex Green
Amex Hilton Aspire
Amex Hilton Surpass
Amex Marriott Bonvoy Brilliant
Amex Blue Cash Preferred
Amex Blue Cash Everyday

What does Amex green give you that gold or plat doesn't?

Re: Your 2025 Card Recommendation/ My Cards

AyaMai — Tue, 27 Feb 2024 03:57:04 GMT

@Shooting-For-800 wrote:
What does Amex green give you that gold or plat doesn't?

I use Amex Green to pay for hotels in the past such as Choice " Now I have their card", Wyndham and IHG, tolls and paking since I do a lot of road trips plus had a high SUB.

Re: Your 2025 Card Recommendation/ My Cards

AyaMai — Tue, 27 Feb 2024 05:02:55 GMT

@K-in-Boston wrote:
Why exclude BoA cards? Why are you team cash back with Amex revolvers when you have 3 MR-earning charge cards? What's with the random cities for every major sports league, and why is the southeast excluded?

My relationship with BoA started in 2001 when I opened a checking account with them due to NSF fees hit by Wells Fargo which entered Oregon Market by acquiring First Interstate Bank as my paycheck deposit on Friday were credited the next day which meant Monday the next after 4:00 PM cut off time were as BoA entered Oregon by acquiring a local bank and 6:00 PM was the cut off time for the deposits to be credited in the same day. I do not have an issue with BoA as they were one of the first apps when iPhone was launched on June 29, 2007. They declined me for unsecured credit card no problem here but what pissed me off from them I was denied again for secured one :-( I have no use for their cards, do not fit for my credit cards strategy. My relationship with Amex goes back to 1989 when I got my the first original Amex Green Card, then the original Amex Optima they have been good to me through the years and thank god I was not blacklisted. I have young kids and wife as authorized users on my Amex to enjoy the benefits and rewards of those Amex cards.

As for sport team, I chose Las Vegas Raiders as second choice because Dallas Cowboys logo was distorted by the chip, but now I have them on BoA debit card same as I have Day of the Dead 'Día de Muertos' design on my Wells Fargo Debit Card :-), Discover NHL Pittsburgh Penguins design due to Mario Lemieux saving the team but I do love Pittsburgh a hidden gem city, Discover NHL Detroit Red Wings because everyone has a negative judgement of the city, Michigan is a state which I want to visit especially the Northern Penninsula and Ann Arbor. Avant MLS Portland Timbers as Portland is my hometown. Comenity New York Yankees Mastercard, New York is where I was born. I am not a sports fan but do read sport section of NYT and WSJ print editions. Unfortunately Cardless no longer issues Boston Celtics and Manchester United.

why is the southeast excluded? No reason would love to get SUB of southeast banks for opening a checking accounts but they are geofence banks and would love to get a college or professional sport steam logo on a credit or debit cards

Re: Your 2025 Card Recommendation/ My Cards

AyaMai — Tue, 27 Feb 2024 05:20:44 GMT

@CorpCrMgr1 wrote:
Just being curious why no Chase?

3 years ago I applied for Amazon Chase, they wanted identity verification, couldn't verify 2 addesses because they were hard to remember but gave them one address which was far older and I was living in my current address for 9 years during the phone call. To this day they deny me opening a checking account online with SUB or without, though I am an authorized on P2 three chase cards plus I have account for Chase Credit Journey. 3 card I would like to get from Chase are IHG premier, World of Hyatt and Chase Sapphire. I am not able to open a checking account with them in the next 18 months, will not bother myself applying for a credit card and waste a hard pull.

Re: Your 2025 Card Recommendation/ My Cards

AyaMai — Tue, 27 Feb 2024 13:05:25 GMT

@ptatohed wrote:
Ouch, I cringe thinking about the total in annual fees. It's hard for us to recommend any cards when 1.) It kind of seems like you have more than enough already but 2.) You provided no information for us to work with. Do you spend a lot in a certain category(ies) that you are trying to fill with high(er) rewards? Do you want high welcome offers? Balance transfer? Low intro rate? What is it you are trying to accomplish with your next card(s)?

Categories;

Gas: AAA Travel Card, Discover and Sam's Club

Groceries & Streaming: Amex Blue Cash Prefered

Online Shopping: Amex Blue Cash Everyday

Walmart+: Capital One Walmart Rewards

Dining: Amex Gold, Amex Marriott Bonvoy Brilliant (Monthly Credit $25) and Discover

Utilities: U.S Bank Cash+

T-Mobile: U.S Bank Cash+

Target: Target Red Debit Card

Insurance: Best Western Rewards Premium Mastercard (towards $5000 annual Spend)

Tolls and Parking: Amex Green Card

Hotels: Hilton, Marriott, Choice and Best Western credit cards

Uber: Amex Gold and Platinum

Trains: FNBO Amtrak credit card

2% Cash Back: Paypal, Venmo, Synchrony, Bread Amex

Pixel Phones & Watch: Synchrony Google Finance

iPhone, Watch & iPads: Apple Card

Amazon: Synchrony Amazon Store card

Costco: 2% Cashback Visa credit cards & Citi Costco Visa

Rent: P2 Bilt Mastercard

The card I really want is Citi Custom Cash Card as a backup for groceries, gas and dining catagories. Was hoping Goldman Sachs was going to issue T-Mobile credit card but unfortunatelt the deal was cancelled. By the way I do not carry a balance, a card such Wells Fargo Reflect Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers never hurts to apply for this card in case of emergency or a home project but definetly not for travel or dumb reason. I am trying not to apply for any card this year just ask for CL for certain cards in summer.

Re: Your 2025 Card Recommendation/ My Cards

redpat — Tue, 27 Feb 2024 08:07:14 GMT

Come up with a rewards strategy first and close a lot of cards.

You can do more with less, it looks like you got sick and threw up credit cards.

Re: Your 2025 Card Recommendation/ My Cards

cws-21 — Tue, 27 Feb 2024 12:52:14 GMT

I am not entirely sure what you want from us regarding your post. Are you really just asking if you are missing any spending categories with your ~38 cards?

Re: Your 2025 Card Recommendation/ My Cards

NoHardLimits — Tue, 27 Feb 2024 18:19:01 GMT

As others have said, you really need to come up with a plan for all your rewards programs (both loyalty points and credit card points). At your current rate, your rewards are fragmented into so many different programs that it will likely be difficult to redeem most of them for any real value. Beyond the signup bonuses, you might be better off just accumulating cash back rewards to spend however you wish.

Spend the next year figuring out which cards to close rather than which new ones to apply for.

Re: Your 2025 Card Recommendation/ My Cards

unsungivy — Thu, 29 Feb 2024 13:44:49 GMT

Are you getting AFs waived by being active duty military or something? If not, same response as most people:

My recommendation is you close a bunch of cards.

They overlap purposes, and have a ton of fees. Plus they seem like a headache to keep track of. The only reason I can see is if maybe you really want a high total credit limit available.

Re: Your 2025 Card Recommendation/ My Cards

cws-21 — Thu, 29 Feb 2024 13:55:53 GMT

@cws-21 wrote:
I am not entirely sure what you want from us regarding your post. Are you really just asking if you are missing any spending categories with your ~38 cards?

@AyaMai, I did not get an answer to my question so I do not really know what I can offer. I hope it did not seem like I was judging you for having so many cards or having a particular setup. I really just want to understand what kind of recommendations you are hoping to get. I am happy to contribute if I know what you are looking for.

Re: Your 2025 Card Recommendation/ My Cards

Anonymous — Thu, 29 Feb 2024 17:48:56 GMT

I am pleased (and a little surprised!) at the quality of the responses here. Normally someone would have chimed in with their fave card ("Get this") without any information about OPs needs and goals. Now this might be because OP has so many cards that they are already taken, but..

Re: Your 2025 Card Recommendation/ My Cards

redpat — Thu, 29 Feb 2024 23:09:36 GMT

Some

@Anonymous wrote:
I am pleased (and a little surprised!) at the quality of the responses here. Normally someone would have chimed in with their fave card ("Get this") without any information about OPs needs and goals. Now this might be because OP has so many cards that they are already taken, but..

LTL, I know you will be shocked but some here are just as smart as you......I know, it's hard to believe.

Re: Your 2025 Card Recommendation/ My Cards

Anonymous — Fri, 01 Mar 2024 01:57:06 GMT

@redpat wrote:
Some
@Anonymous wrote:
I am pleased (and a little surprised!) at the quality of the responses here. Normally someone would have chimed in with their fave card ("Get this") without any information about OPs needs and goals. Now this might be because OP has so many cards that they are already taken, but..
LTL, I know you will be shocked but some here are just as smart as you......I know, it's hard to believe.

Good joke there. Do you really think the world would be in the state it is if there was one other person as smart as me?

(Actually, my comment wasn't really aimed at the majority here, but we do frequently get one or two pushing their cards)

Re: Your 2025 Card Recommendation/ My Cards

okurosetta — Fri, 01 Mar 2024 18:24:39 GMT

@AyaMai wrote:
Categories;
Gas: AAA Travel Card, Discover and Sam's Club
Groceries & Streaming: Amex Blue Cash Prefered
Online Shopping: Amex Blue Cash Everyday
Walmart+: Capital One Walmart Rewards
Dining: Amex Gold, Amex Marriott Bonvoy Brilliant (Monthly Credit $25) and Discover
Utilities: U.S Bank Cash+
T-Mobile: U.S Bank Cash+
Target: Target Red Debit Card
Insurance: Best Western Rewards Premium Mastercard (towards $5000 annual Spend)
Tolls and Parking: Amex Green Card
Hotels: Hilton, Marriott, Choice and Best Western credit cards
Uber: Amex Gold and Platinum
Trains: FNBO Amtrak credit card
2% Cash Back: Paypal, Venmo, Synchrony, Bread Amex
Pixel Phones & Watch: Synchrony Google Finance
iPhone, Watch & iPads: Apple Card
Amazon: Synchrony Amazon Store card
Costco: 2% Cashback Visa credit cards & Citi Costco Visa
Rent: P2 Bilt Mastercard

The card I really want is Citi Custom Cash Card as a backup for groceries, gas and dining catagories. Was hoping Goldman Sachs was going to issue T-Mobile credit card but unfortunatelt the deal was cancelled. By the way I do not carry a balance, a card such Wells Fargo Reflect Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers never hurts to apply for this card in case of emergency or a home project but definetly not for travel or dumb reason. I am trying not to apply for any card this year just ask for CL for certain cards in summer.

A few things jump out to me here:

1) Holding Blue Cash Preferred and Gold - It takes pretty niche cases to justify holding both, such as super high grocery and/or streaming spend. What is your annual grocery spend? What is your monthly streaming spend?

2) Green for tolls and parking - How much are you spending per year in tolls and parking? If the FNBO Amtrak card you have is the Preferred, you earn 2X Amtrak Guest Rewards on travel and transit. Amtrak points have been worth 2.8cpp for me every time I redeem, seems to be the standard rate once 5% point refund is factored in, so 2X is similar to 5.6% return. Do you get more than 5.6% in value out of 3X MR?

3) Gold or Plat for Uber - The credits do come from these cards, but just pointing this out in case - you don't need to use the cards to use the credits. Both would only earn 1X on Uber, though Gold does earn 4X on Uber Eats. Also worth pointing out that FNBO Amtrak Preferred earns 2X on rideshares.

4) Do you analyze each card's rewards / perks to ensure you are getting sufficient value out of the annual fee? If some were obtained more for their sign-up bonus, are you past the first year yet? At the end of the day it is you that pays for the annual fees, so do whatever makes you happiest, but it is good to at least listen if much of the community is talking about closing/downgrading cards instead of looking for which to open.

5) Are there any cards you are already planning on downgrading/closing? It isn't clear whether they are all considered keepers.

Re: Your 2025 Card Recommendation/ My Cards

AyaMai — Sun, 03 Mar 2024 02:51:18 GMT

@cws-21 wrote:
@cws-21 wrote:
I am not entirely sure what you want from us regarding your post. Are you really just asking if you are missing any spending categories with your ~38 cards?
@AyaMai, I did not get an answer to my question so I do not really know what I can offer. I hope it did not seem like I was judging you for having so many cards or having a particular setup. I really just want to understand what kind of recommendations you are hoping to get. I am happy to contribute if I know what you are looking for.

Thank you for your response, I do not mind criticism at all. Yes I am aware of number of credit cards, I would have taken different path after a long absence from credit cards as I paid everything in cash through paypal then through I was offered to pay in 4 payments from there my journey back to credit cards started. Definitely I made misakes, at the end of the day is to learn from others, I do not take them for granted, and appreciate their time to help me and others. When time passes there will be an occassion where you remember that someone had a valid point to a certain topic or strategy. Maybe it was not a recommendation, I should have said your opinion on my credits I have, or any suggestion you have for me.