topic Re: Whats your most favorite/used credit card? in Credit Cards

Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 20:28:15 GMT

I know that most of us here have multiple cards and I am interested to see what is YOUR favorite card?

you can only choose one out of all you have,

please name the card and the reason why.

yes some cards are better for one thing and other ones are best for other categories, but if you'd have to give up all but one, which one would you not let go of?

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 20:32:26 GMT

Sallie Mae World MasterCard.

5% back on gas, 5% back on groceries, 5% back from book stores, and 5% back on Amazon year round. What more could you ask for?

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 20:32:12 GMT

@Anonymous wrote:
Sallie Mae World MasterCard.

5% back on gas, 5% back on groceries, 5% back on book stores, and 5% back on Amazon year round. What more could you ask for?

I need one of those!! but gotta stay away from apps atleast for half a year..

Re: Whats your most favorite/used credit card?

Billybob_TX — Sun, 16 Nov 2014 20:32:57 GMT

Sallie Mae for the 5% gas cash back. Always posts the cash almost instantly and never a glitch like I see with Discover and another travel card I have.

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 20:43:30 GMT

I'm going to be that guy...I would choose my MSUFCU card despite not having any rewards. Rewards alone can't replace the personal service a good CU can provide. Plus, I have been there since childhood, and my mother has worked there for 20+ years. I have full cash access to my credit line, treated exactly the same as a purchase. Lifetime balance transfer offers with no fees, fixed low rate, no penalty APR (not that I will ever need this feature knock on wood). Plus the card can add reward benefits if i want to trade a point or two in interest. Also, this card will likely be my largest limit for the forseeable future. Almost forgot, they rarely HP me for anything as well.

Re: Whats your most favorite/used credit card?

CreditMagic7 — Sun, 16 Nov 2014 20:55:17 GMT

I been favoring the BofA Cash Rewards 321 and will continue to but after a recent new approval for Sam's 531 Mastercard this one will be used in tandem together. 5% CB on Gas plus 3% Restaurant should compliment BofA very nice.

Re: Whats your most favorite/used credit card?

msbia — Sun, 16 Nov 2014 22:03:12 GMT

Chase Amazon! I shop on Amazon 2-3 times per week and since I don't qualify yet for the SM card....lovin' it!

2nd in line....my Lowes card.

Re: Whats your most favorite/used credit card?

Dw4250 — Sun, 16 Nov 2014 22:07:59 GMT

Currently...

Sallie Mae for gas/groceries/Amazon

Cash+ for eating out

Fidelity Amex for pretty much everything else

Re: Whats your most favorite/used credit card?

koalablue — Sun, 16 Nov 2014 22:20:58 GMT

I couldn't pick just one. It would have to be 2 - Blue Cash Preferred for groceries ( I feel like I'm getting robbed 6% if I can't use it) and CSP for travel and everything else. The CSP benefits (esp being able to exchange UR points for airline miles on a 1:1 transfer) and customer service are great.

Re: Whats your most favorite/used credit card?

js0319 — Sun, 16 Nov 2014 22:24:05 GMT

Amex EDP for gas and groceries, CSP for bills and restaurants, and my other cards for miscellaneous.

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 22:47:59 GMT

@Anonymous wrote:
I'm going to be that guy...I would choose my MSUFCU card despite not having any rewards. Rewards alone can't replace the personal service a good CU can provide. Plus, I have been there since childhood, and my mother has worked there for 20+ years. I have full cash access to my credit line, treated exactly the same as a purchase. Lifetime balance transfer offers with no fees, fixed low rate, no penalty APR (not that I will ever need this feature knock on wood). Plus the card can add reward benefits if i want to trade a point or two in interest. Also, this card will likely be my largest limit for the forseeable future. Almost forgot, they rarely HP me for anything as well.

Good to see a fellow Spartan on myFICO! I went to MSU. I used to use both MSUFCU and CASECU when I was growing up and in college as well.

If I could only have one card it would probably be my AMEX Business Rewards Gold. Everything I spend on it ends up getting expensed so I get the rewards and my purchases always end up getting me out of some taxable revenue. For personal I would carry my Citi Thank You Premier 3x on dining and entertainment has been racking up some big rewards so far.

Re: Whats your most favorite/used credit card?

mikelo22 — Sun, 16 Nov 2014 23:03:16 GMT

My Citi Forward for 5x points on Restaurants and Amazon.

Sallie Mae for 5% CB on gas, groceries, and Amazon.

CSP for the intro offer and because it's heavy

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 23:14:50 GMT

@mikelo22 wrote:
My Citi Forward for 5x points on Restaurants and Amazon.
Sallie Mae for 5% CB on gas, groceries, and Amazon.
CSP for the intro offer and because it's heavy

CSP is actually metal? I have the Chase saphire but mine is the regular and its made of plastic but still looks cool..

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 23:15:52 GMT

Yes, it is metal. It clanks when you drop it and everything.

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 23:16:57 GMT

Right now, probably Amex BCP, for the 6% on groceries. I expect that will change to the Citi DC or Sallie Mae 5% groceries/gas/amazon though.

Re: Whats your most favorite/used credit card?

Anonymous — Sun, 16 Nov 2014 23:20:48 GMT

@Anonymous wrote:
Yes, it is metal. It clanks when you drop it and everything.

Well now i want it even more! well since i have the regular one without the annual fee, i might as well keep that since its no longer offered and app for the prefered, but i won't even be able to do that since i have 5 cards with chase already and don't want to trigger any more red flags..

Re: Whats your most favorite/used credit card?

MoreRewards — Sun, 16 Nov 2014 23:26:36 GMT

Sallie Mae for 5% categories & general spend
Discover It for online shopping & general spend, sometimes 5% categories

Re: Whats your most favorite/used credit card?

vpae — Sun, 16 Nov 2014 23:42:11 GMT

So hard to pick 1. At this very moment:

Favorite would have to be CSP

A lot of dining and travel, online tells me what the transaction was classified as, UR points are nice.

Most used is probably Fidelity

To cover all misc purchases, bills and what not, 2x everywhere, works as a catch-all.

Re: Whats your most favorite/used credit card?

-Cal- — Sun, 16 Nov 2014 23:46:18 GMT

My top 5:

* SallieMae

* CSP

* ED

* Citi DC

* Wells Fargo (only for a few months)

Re: Whats your most favorite/used credit card?

oscar_actuary — Mon, 17 Nov 2014 00:43:14 GMT

lots of rule breakers on here...

1 card:

Sam's Club MC: 5% Gas, 3% DineOut /Travel, 1% Else. 12 yr old account and one of my first 5 figure limits.

I gottta look into that Sallle card...seems I have before and then saw something that deterred me...