topic Re: What's your favorite credit card, and why? in Credit Cards

What's your favorite credit card, and why?

SamsungHDTV — Tue, 12 Nov 2013 05:18:31 GMT

Name your favorite credit card you use primarily, and the reasons why. Whether it be for the rewards, the perks, the customer service.

Just curious what the majority of myfico members favor.

Re: What's your favorite credit card, and why?

Creditaddict — Tue, 12 Nov 2013 05:22:21 GMT

Fidelity American Express = 2%
Capital One Quicksilver = 1.5%

Re: What's your favorite credit card, and why?

Anonymous — Tue, 12 Nov 2013 05:24:22 GMT

I'm excited about some of the Amex perks like $5/$25 BP gas, $10/50 Lowes, etc. Plus the 3x CLI and backdating.

But I'd really like to have Discover for some of those Shop Discover deals.

I like GE for the credit limits soft pull.

Re: What's your favorite credit card, and why?

Danizzle — Tue, 12 Nov 2013 05:27:52 GMT

I try to maximize the rewards, so whatever card gives me the most cash back or points! I haven't needed to call CS on anything so I can't comment on that.

Some perks I find nice though are AmEx's 3x CLI and Discover's ShopDiscover. Discover also was the first to auto CLI me.

Re: What's your favorite credit card, and why?

yudeology101 — Tue, 12 Nov 2013 05:32:33 GMT

I think OP wants to know specific cards & reasons.

Mine is CSP: It's my 1st 5k CL, great rewards system (top for travel miles transfer), 7% Annual Points Dividend on all new points earned, love the aesthetics of the card (metal based design & love the heavy feel), & finally one of the best customer service i have received so far.

::edited for typos::

Re: What's your favorite credit card, and why?

cottoncrown — Tue, 12 Nov 2013 05:42:39 GMT

The mobile iphone apps for Amex and Discover are top quality which is a big deal for me. Customer service has been really good with both cards as well. Maybe a little better with Discover. I'd have to say its a tie between Discover It and Amex PRG. I prefer the look of PRG to Discover. I like the "Cash-Over" option with discover so that I don't have to find an ATM. It's a toss up I guess, haha.

Re: What's your favorite credit card, and why?

eddie84 — Tue, 12 Nov 2013 05:48:17 GMT

BofA has really grown with me over the years. Gave me generous CL to start with plus their CS isn't that bad either (but Discover CS still wins hands down).

Re: What's your favorite credit card, and why?

SamsungHDTV — Tue, 12 Nov 2013 06:07:51 GMT

@cottoncrown wrote:
The mobile iphone apps for Amex and Discover are top quality which is a big deal for me. Customer service has been really good with both cards as well. Maybe a little better with Discover. I'd have to say its a tie between Discover It and Amex PRG. I prefer the look of PRG to Discover. I like the "Cash-Over" option with discover so that I don't have to find an ATM. It's a toss up I guess, haha.

Can you tell me more about the amex and discover apps? What can you do on the app that makes it nice? And what's the "cash-over" option. That sounds interesting.

Re: What's your favorite credit card, and why?

Meltdownblitz — Tue, 12 Nov 2013 06:12:42 GMT

I try to use ccs according to reward % being offered. Otherwise I use CSP as default card, main reason (I'll be honest) the card design, I love using the card because of this, nice classy way to pay for things. (also depending on where I'm using it at, don't use it much at mc donalds or other places like that) Not to mention, its just a great card in general with great perks and awesome customer service! And when I don't feel like using CSP or usually under $10, I'll use arrival card for 2%.

Great thread btw let keep it going, interested in what others fav cards are and why.

Re: What's your favorite credit card, and why?

oscar_actuary — Tue, 12 Nov 2013 06:34:39 GMT

Discover It.

All else being equal, they have better trade in value of the pointe for simple folks who don't trade them in for Airlines, etc

Shop Discover is awesome.

my daily go to card is Fidelity Amex, for the easy peasy 2% on everything

Nothing personal, I get what I can from each.

Re: What's your favorite credit card, and why?

CreditScholar — Tue, 12 Nov 2013 06:52:43 GMT

The UA Club card has traditionally been my favourite, albeit less-so now after the recent devaluation. However unless I can find something better, it'll still remain as my workhorse card (by a large margin).

Put simply, it's an all-inclusive card (like the Amex platinum) but with a high earning rate (1.5 per dollar spent).

Re: What's your favorite credit card, and why?

cottoncrown — Tue, 12 Nov 2013 07:16:15 GMT

The apps are very streamline and integrated to your account. There is more information available and they are just a high quality app. It's kind of hard to explain but it is obvious that they spent a lot of money designing them. I don't know if you have used the chase app but it stinks compared to discover and amex. Very smooth/ seemless design with more transaction and rewards information. The "cash over" is at select grocery stores; you can get cashback with a discover purchase and it is not considered a cash advance. No fees, and if you pay your balance in full, no interest. I find it very handy when I need a few dollars for laundry or parking/transit and don't want to find an ATM as I rarely carry cash now.

Re: What's your favorite credit card, and why?

Luscher — Tue, 12 Nov 2013 07:23:32 GMT

any chase card. hard to pick a favorite

Re: What's your favorite credit card, and why?

L-TWT — Tue, 12 Nov 2013 11:08:56 GMT

Right now,

my Citi Dividends,

with their current 5% cash back @ Dept stores, best buy & toy stores, coupled with me making online purchases using Upromise which adds an additional 5%, in total i'm gaining 10% cash back on my overall shopping!

Re: What's your favorite credit card, and why?

takeshi74 — Tue, 12 Nov 2013 13:16:01 GMT

I don't really have a single favorite. They all serve a given purpose -- generally for maximizing rewards.

Re: What's your favorite credit card, and why?

espnjunkie — Tue, 12 Nov 2013 14:29:09 GMT

Tough call between my Amex charge card and my Merrill+

So far I'd highly recommend the Merrill+ because it has no annual fee, no forex fees, better than meets the eye rewards structure, offers concierge service and very generous credit limits.

Re: What's your favorite credit card, and why?

Anonymous — Tue, 12 Nov 2013 14:44:44 GMT

Amex BCP, always get nice rewards on gas(3%) and groceries(6%)

I use my Discover IT for the rotating categories and for shop discover which usually nets you 5-10% cashback on the major stores that they offer.

its a great tandem of cards(my favs)

Re: What's your favorite credit card, and why?

Duncanrr — Tue, 12 Nov 2013 15:26:02 GMT

UNICORN FOR LIFE

Re: What's your favorite credit card, and why?

Anonymous — Tue, 12 Nov 2013 15:57:48 GMT

@espnjunkie wrote:
Tough call between my Amex charge card and my Merrill+

So far I'd highly recommend the Merrill+ because it has no annual fee, no forex fees, better than meets the eye rewards structure, offers concierge service and very generous credit limits.

How is Merrill+ better than meets the eye rewards?

Re: What's your favorite credit card, and why?

Anonymous — Tue, 12 Nov 2013 15:59:44 GMT

Anything in metal...

Because it is metal.DUUHH

JJ. I'm on rewards structure being the card of choice with AMEX charge and new Fidelity 1.5/2% Visa and Cap One QS for random charges including some big ones from work.