Re: I want your input....

Kforce · ‎07-17-2020

@Anonymous wrote:
What is your favorite Credit Card? What is the APR? and what credit card company offers a good line of credit??

Cards have different benefits and shortcomings.

If a card was best in all categories, everyone would have that card.

Do you want points for travel, cashback, large Cl's, fast growing, low-Apr, insurance, Sub ?

The FOTM has been the AOD with 3% everything, no cap and low APR.

I would put it at #1 for my needs, but everyone has different spend, and needs.

TSlop · ‎07-17-2020

My favorite card, minus the horrible design, is my BoA PR. The earning potential is great (at higher Preferred Rewards tiers) and the card pays me to use it. Coincidentally, it is in the SD, but I hope to use it as my main card someday. I might always keep my 5% rotating category cards, but this might be my "everything else" card when I get higher into the tiers of Preferred Rewards.

Oh, and my current APR is 17.99%.

Heatt99 · ‎07-17-2020

NFCU More Rewards @ 11.99%. It has 3% on most of my daily spend, and yet I'm still blowing threw HHS which has the same categories.

Disco & Cap1 QS are my backups to fraud transactions. These cards are 99% approved.

Anonymous · ‎07-17-2020

@Kforce wrote:

Do you want points for travel, cashback, large Cl's, fast growing, low-Apr, insurance, Sub ?

@Kforce which card did you just get, If I may ask?

Anonymous · ‎07-17-2020

Not to throw this off track, but I noticed a few people speaking about the reliability of the transactions going through. Is this a big problem? Do you members have a lot of transactions that are declined for fraud related reasons or whatever?

Kforce · ‎07-17-2020

@Anonymous wrote:
@Kforce which card did you just get, If I may ask?

My last card was the USAlliance 3% cashback, 3-4 months ago.

Got it about a month before the AOD came out.

Second last FNBO Travel Elite, 5+ years prior.

Only have the card's in signature plus two old CU cards (SD) with no rewards but ~24+ years history.

MisterWives · ‎07-17-2020

Discover is the first card to keep giving me the highest credit limit out of all my cards. Their Discover IT has 4 versions technically as they have Discover IT then Discover IT Chrome, but they also have two student versions of those cards which I have for one. I only know my new PSECU card has say a 13% APR, but the rest usually are above 20%-30% APR regularly unless there's a 0% APR promotion

Discover IT Chrome $8,550 | Opened 9/2017 | 2% Restaurant & Gas / 1% Everything

Best Buy Store Card $10,000 | Opened 11/2018

Amazon Store Card $10,000 | Opened 12/2018 | 5% Amazon Purchases (Requires Prime)

PNC Cash Reward Visa $10,500 | Opened 12/2018 | 4% Gas / 3% Restaurant / 2% Grocery / 1% Everything

Chase Freedom $5,200 | Opened 1/2019 | 5% Category Rotation

Amex Blue Cash Everyday $5,000 | Opened 4/2019 | 3% Grocery / 2% Gas / 1% Everything

Banana Republic $10,000 | Opened 6/2019 | Banana Republic 5x pts per $1 / Everything 1x pt per $1

Costco Anywhere Visa $10,000 | Opened 7/2019 | 4% Gas / 3% Restaurant / 2% Costco & Grocery / 1% Everything

Citi Rewards+ $2,000 | Opened 8/2019 | 2x pts Grocery & Gas | 1x pts Everything

BB&T Rewards $4,500 | Opened 8/2019 | 3% Gas / 2% Utilities & Grocery / 1% Everything

PNC Points Visa $1,800 | Opened 8/2019 (PC in 2020) | 4pts per $1

Home Depot Store Card $5,001 | Opened 10/2019

Discover IT $14,500 | Opened 11/2019 | 5% Category Rotation

Synchrony Mastercard $7,500 | Opened 12/2019 | 2% Everything

Capital One Quicksilver $1,000 | Opened 12/2019 (PC in 2020) | 1.5% Everything

Wells Fargo Platinum Visa $6,500 | Opened 4/2020 | No Rewards

Ulta Mastercard $4,900 | Opened 6/2020 | Ulta 1x pt per $1 / Everything 1x pt per $3

Amex Hilton Honors $6,000 | Opened 6/2020 | 7x pts Hilton / 5x pts Restaurants & Gas & Grocery / 3pts Everything

PSECU $10,000 | Opened 6/2020 | 1.5% Everything (2% with Checking and Deposits)

First National Bank of Omaha Platinum Visa $15,000 | Opened 10/2020 | No Rewards

Apple Card $5,000 | Opened 1/2021 | 3% Apple / 2% Apple Pay / 1% Everything

Venmo Credit Card $7,000 | Opened 1/2021 | 3% Category / 2% Category

PenFed Power Cash Rewards Visa $17,500 | Opened 1/2021 | 1.5% Everything(2% with Checking)

Citi Custom Cash $5,000 | Opened 5/2022 | 5% Category

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

Anonymous · ‎07-17-2020

bc of my short history and thin file, my aod is my favorite. 3% cash back, 8.99% apr, and 10.5k sl. lowest apr and highest credit limit out of my 5 cards. they give a decent line of credit as well so i've seen.

my favorite card to use and look at is my apple card 😍 it's so simple but beautiful; i always get compliments whenever i use it.

Anonymous · ‎07-17-2020

Now that I am shifting to saving as much as possible, my AOD card is pretty much the only one I need. 8.99% APR, 3% cash back on everything. It doesn't really get any better for a general purpose spend card and the $5K limit is more than enough for me to stay under 8.9% utilization each month.

Amazon Store Card was my previous favorite because of the 5% on Amazon but it's definitely not going to get the use it was before.

AverageJoesCredit · ‎07-17-2020

Favorite credit card: Superman DC Power Visa....dont have

APR? MAY never get it

Good Line Of Credit: Navy $500 ....again dont have it

I want your input....

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