Re: Best Credit Cards?

nytimestraveler · ‎07-23-2024

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

Chase Sapphire (reaching 95k SUB) 10800 | Discover IT Chrome 2000 | Capital One QuickSilver 200

Next Goal: Open to ideas, 3-5% cards, FCU cards or top limit cards, AMEX Gold/ Plat, Apple Card, RH Gold, 3-6 months out potentially Sapphire x Flex | Venture X Biz x SavorOne, Ink Series

Starting Credit Nov 2023 : 492
Current Credit : 716

QuickSilver I’m looking for PC to SavorOne/ VX and use for niche entertainment

digitek · ‎07-23-2024

US Bank Altitude Reserve.

RebelRocket · ‎07-23-2024

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.

Anonymous · ‎07-23-2024

@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.~~

ptatohed · ‎07-24-2024

@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.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Anonymous · ‎07-24-2024

@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.

Anonymous · ‎07-24-2024

@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!)

odd_dog · ‎07-24-2024

@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......