topic Re: Best Credit Cards? in Credit Cards

Best Credit Cards?

nytimestraveler — Wed, 24 Jul 2024 02:02:10 GMT

Although subjective, what are the best credit cards in your experience?

Re: Best Credit Cards?

digitek — Wed, 24 Jul 2024 02:27:33 GMT

US Bank Altitude Reserve.

Re: Best Credit Cards?

RebelRocket — Wed, 24 Jul 2024 03:01:00 GMT

Subjective for sure, but still tough to say!

Not knowing everything about all cards at present (I'm team cash back so I'm not as versed in any of the best travel cards), my Blue Cash Everyday gives 3% back in the categories where 98% of my personal spending occurs; covering 3 of the 5 "general categories" of my normal habits.

I'd be curious to see a poll that shows what the top 3 (or 5) spending categories are for all of the card carrying folks who take the survey.

I'm sure one exists somewhere, but eager to see what the rest of the forum thinks.

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 05:23:07 GMT

@nytimestraveler wrote:
Although subjective, what are the best credit cards in your experience?

The ones that give the highest return of usable value in all the catagories of my organic spend.

~~That has to be the most vague and all encompassing "... credit card ..." question ever.~~

Re: Best Credit Cards?

ptatohed — Wed, 24 Jul 2024 08:26:27 GMT

@Anonymous wrote:
@nytimestraveler wrote:
Although subjective, what are the best credit cards in your experience?
The ones that give the highest return of usable value in all the catagories of my organic spend.

~~That has to be the most vague and all encompassing "... credit card ..." question ever.~~

need more information.

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 11:17:42 GMT

@ptatohed wrote:
@Anonymous wrote:
@nytimestraveler wrote:
Although subjective, what are the best credit cards in your experience?
The ones that give the highest return of usable value in all the catagories of my organic spend.

~~That has to be the most vague and all encompassing "... credit card ..." question ever.~~
need more information.

Merriam-Webster

Encyclopedia Britannica

And the BBC and RT.com
Good for Americans looking for pertinent information about something that is happening IN the USA and our US propaganda machines won't tell us anything.

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 12:27:15 GMT

@Anonymous wrote:
@ptatohed wrote:
@Anonymous wrote:
@nytimestraveler wrote:
Although subjective, what are the best credit cards in your experience?
The ones that give the highest return of usable value in all the catagories of my organic spend.

~~That has to be the most vague and all encompassing "... credit card ..." question ever.~~
need more information.
Merriam-Webster
Encyclopedia Britannica
Thesaurus.com
Google Scholar
Wikipedia
Internet Archive
Library of Congress
Cracked.com
Theonion.com

And the BBC and RT.com
Good for Americans looking for pertinent information about something that is happening IN the USA and our US propaganda machines won't tell us anything.

You missed out Youtube. TONS of great high quality information on almost everything!

(Personally I wouldn't recommend RT.com as an information source. It's state controlled media where, unlike the case of the BBC which is anyway a little more autonomous, the state is extremely authoritarian and has no problem censoring the media, with prejudice!)

Re: Best Credit Cards?

odd_dog — Wed, 24 Jul 2024 12:30:16 GMT

@nytimestraveler wrote:
Although subjective, what are the best credit cards in your experience?

Hi OP,

Dont need more info from you, your question is quite clear....in MY EXPERIENCE I like the Bank of America Custom Cash Cards for CASH back they work REALLY well when you have money in/at BOA and Merrill. On the travel card front I like the Amex Delta Reserve....I love the lounge access......

Re: Best Credit Cards?

IntegerIntrovert — Wed, 24 Jul 2024 13:11:44 GMT

Agreed on the USB AR, followed by a close second the WF Autograph then Citi Costco.

Re: Best Credit Cards?

DanteJuan95 — Wed, 24 Jul 2024 13:15:45 GMT

@digitek wrote:
US Bank Altitude Reserve.

What is the benefits of that particular card?

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 13:21:13 GMT

@DanteJuan95 wrote:
@digitek wrote:
US Bank Altitude Reserve.
What is the benefits of that particular card?

It gives 3x back on any mobile wallet purchase, which is worth 4.5% when redeemed for travel. And unlike some other cards, with its Real TIme Rewards feature, you can redeem for travel directly with airlines etc, not having to go through a travel portal (although you can).

While it has a $400 AF, there is an $325 easy to use credit (dining, travel) making an effective AF of $75.

Re: Best Credit Cards?

RBD22 — Wed, 24 Jul 2024 13:48:02 GMT

I second the US Bank Altitude Reserve.

4.5% back on all mobile wallet and travel purchases when redeemed for travel plus the travel redemptions don't have to happen through a portal. It's also a Visa Infinite and still has access to Priority Pass restaurants (albeit limited to just 8x/year). All for an effective $60.38 AF ($400 AF - $325 credit - $14.62 in rewards earned on the spending towards the credit).

Hard to beat that as a single card if you travel a few times/year.

Re: Best Credit Cards?

DanteJuan95 — Wed, 24 Jul 2024 13:55:55 GMT

@RBD22 wrote:
I second the US Bank Altitude Reserve.

4.5% back on all mobile wallet and travel purchases when redeemed for travel plus the travel redemptions don't have to happen through a portal. It's also a Visa Infinite and still has access to Priority Pass restaurants (albeit limited to just 8x/year). All for an effective $60.38 AF ($400 AF - $325 credit - $14.62 in rewards earned on the spending towards the credit).

Hard to beat that as a single card if you travel a few times/year.

It's an alright card but I wouldn't personally recommended it, especially the AF price, which to me it's a big No.

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 14:02:21 GMT

The answer to a question like this with no parameters - is a question.

"For what?"

Travel? Cashback? Business? Personal? Secured? Category x? Catch all? Etc?

The only thing clears about the question is that it is a question.

There are literally hundreds of credit cards that that could be named as a "Best for undefined variable"

But I suppose I will play along.

I Pick the "Citi Shop Your Way" card

I hear that 9 out of 10 @redpat's approve it.

Re: Best Credit Cards?

odd_dog — Wed, 24 Jul 2024 14:14:26 GMT

@Anonymous wrote:

The answer to a question like this with no parameters - is a question.
"For what?"
Travel? Cashback? Business? Personal? Secured? Category x? Catch all? Etc?

The only thing clears about the question is that it is a question.
There are literally hundreds of credit cards that that could be named as a "Best for undefined variable"

But I suppose I will play along.

I Pick the "Citi Shop Your Way" card
I hear that 9 out of 10 @redpat's approve it.

I really think most are over thinking this...question "IN YOUR EXPERIENCE" ....that is the parameter.....Hint: anything YOU LIKE....thanks for playing........

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 14:18:36 GMT

@odd_dog wrote:
@Anonymous wrote:

The answer to a question like this with no parameters - is a question.
"For what?"
Travel? Cashback? Business? Personal? Secured? Category x? Catch all? Etc?

The only thing clears about the question is that it is a question.
There are literally hundreds of credit cards that that could be named as a "Best for undefined variable"

But I suppose I will play along.

I Pick the "Citi Shop Your Way" card
I hear that 9 out of 10 @redpat's approve it.

I really think most are over thinking this...question "IN YOUR EXPERIENCE" ....that is the parameter.....Hint: anything YOU LIKE....thanks for playing........

@odd_dog

Thank you for your input on my reply. It was enlightening. AND if you read my post I DID NAME ONE.

And I paged redpat to join the fun.

Re: Best Credit Cards?

Anonymous — Wed, 24 Jul 2024 14:20:51 GMT

@Anonymous wrote:

The only thing clears about the question is that it is a question.
There are literally hundreds of credit cards that that could be named as a "Best for undefined variable"

If you took a vote amongst the general population and asked which credit card is "Best for an undefined variable" I doubt you would get "literally hundreds of cards" More, "What???" and "Go away"! "I'm a 25-year old male, not an undefined variable, how would I know what they want" etc

But yes, the question is hard to give a meaningful answer to.

Re: Best Credit Cards?

odd_dog — Wed, 24 Jul 2024 14:22:41 GMT

@Anonymous wrote:
@odd_dog wrote:
@Anonymous wrote:

The answer to a question like this with no parameters - is a question.
"For what?"
Travel? Cashback? Business? Personal? Secured? Category x? Catch all? Etc?

The only thing clears about the question is that it is a question.
There are literally hundreds of credit cards that that could be named as a "Best for undefined variable"

But I suppose I will play along.

I Pick the "Citi Shop Your Way" card
I hear that 9 out of 10 @redpat's approve it.

I really think most are over thinking this...question "IN YOUR EXPERIENCE" ....that is the parameter.....Hint: anything YOU LIKE....thanks for playing........
@odd_dog
Thank you for your input on my reply. It was enlightening. AND if you read my post I DID NAME ONE.

And I paged redpat to join the fun.

I did say thank you!!!! LOL sometimes I think we just want to help so specifically that we get caught up in defining everything...I can be wrong as OP has not posted anything yet about our answers......and if I misinterpreted oh well.....joke is on me......

Re: Best Credit Cards?

RBD22 — Wed, 24 Jul 2024 15:13:33 GMT

@DanteJuan95 wrote:
@RBD22 wrote:
I second the US Bank Altitude Reserve.

4.5% back on all mobile wallet and travel purchases when redeemed for travel plus the travel redemptions don't have to happen through a portal. It's also a Visa Infinite and still has access to Priority Pass restaurants (albeit limited to just 8x/year). All for an effective $60.38 AF ($400 AF - $325 credit - $14.62 in rewards earned on the spending towards the credit).

Hard to beat that as a single card if you travel a few times/year.
It's an alright card but I wouldn't personally recommended it, especially the AF price, which to me it's a big No.

Sure, you could hold a variety of different no-AF cards with specific 5% categories but the question was what is the best card and I tried to think of it as a scenario of if I could have just one card (the best card), which would I have?

4.5% back on mobile wallet and travel is hard to beat with just a single card unless you play the point transfer game and only use the points when the cpp is good and, in the case of Amex, you religiously use their coupon books to offset their even higher AFs.

I personally put about 70-80% of my total CC spending on my USBAR because Apple Pay is accepted at so many places nowadays (even online through Safari or my phone), which means I'm getting 4.5% on all of that spend.

Mathematically, if you put more than $2415.20 on the card in a year, you'll come out ahead of a no-AF 2% card with the same level of usage. Divide the effective annual fee by the difference in earnings between 4.5% and 2% (2.5%) and you get $60.38 ÷ (4.5% - 2%) = $2415.20. That amount means many people would come out ahead with the USBAR in just a month or two. Even with the AOD's 3% CB, you'd still only need to spend $4025.33 on the card in a year to come out ahead on the USBAR (60.38/0.015).

But since you don't agree with the USBAR, what would your choice of best credit card be?

Re: Best Credit Cards?

nytimestraveler — Wed, 24 Jul 2024 18:02:03 GMT

What's that for you