cancel
Showing results for 
Search instead for 
Did you mean: 

If you had to just pick one......

CostantinoA
Established Contributor

If you had to just pick one......

If you had to pick just one Visa/Master card that hands down is the best card out there, which one would it be?

Message 1 of 39
38 REPLIES 38
Khalifa_Jayy
Contributor

Re: If you had to just pick one......

I'd probably find it easier to pick my favorite child Smiley Very Happy

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  
CENTURY CLUB MEMBER

Message 2 of 39
MILOfico
Established Contributor

Re: If you had to just pick one......

This Month LOL freedom!!!! Really like 5% cat. Going now
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 3 of 39
galahad15
Valued Contributor

Re: If you had to just pick one......

BEFCU Platinum Plus VISA:  as low as 4.99% F go-to APR, rewards program, also no BT or cash advance fees. 

 

https://www.bournscu.coop/loans-and-credit-cards/credit-cards


Message 4 of 39
frogman1
Valued Contributor

Re: If you had to just pick one......

Barclay Arrival +  2.05 percent back on everything for use towards any time of travel.  Hotel, Rental Cars, Expedia, Airfare whatever  And you get bonus points just for posting on their travel site. No FTF.  

More cards than I can mention in a signature.
Message 5 of 39
oldman87
Valued Contributor

Re: If you had to just pick one......

My Visa debit card, 0% APR on purchases and cash advance all without an annual fee.
Message 6 of 39
frogman1
Valued Contributor

Re: If you had to just pick one......


@MILOfico wrote:
This Month LOL freedom!!!! Really like 5% cat. Going now

I would think this would be a bad choice for a single card. It might be valuable as part of a suite of cards. But that 5 percent is limited to 1500 of spending a quarter.  And I don't see how most people are going to spend 1500 in gas in a quarter. Buf for sake of argument you had 40k of spending on credit cards a year and you max out categories:

 

6000 x .05 = 300

34000 x .01 = 340

 

Grand Total = 640 dollars a year on 40k spending

 

Now compare to a 2 percent on anything card

 

40000 x .02 = 800 dollars.

 

 

And since they have rotating categories that aren't announced in advance it could be much worse than this. 

 

More cards than I can mention in a signature.
Message 7 of 39
AverageJoesCredit
Mega Contributor

Re: If you had to just pick one......

Dont have it cant get it but perhaps the USAA Linitless 2.5 % backcash card
Smiley Happy
Message 8 of 39
mitchblue
Valued Contributor

Re: If you had to just pick one......

If I had to pick one I currently own, Amazon Store card. I shop there so much, sometimes too much.

 

Late edit: Just not saw you mentioned Visa/MC. Oops.

Amex Green • Amex BCP • Amex HH (Aspire®) • Barclay Rewards • Chase World of Hyatt • Chase FU • Capital One Quicksilver • Discover it • PENFED Platinum Rewards • Marvel MC • Amazon Store • Kohls Store • CL $109,330 • Car Loan (PENFED) 1.99% PAID

FICO® 8 Scores 805-812 FICO® 9 Equifax 822
Message 9 of 39
Khalifa_Jayy
Contributor

Re: If you had to just pick one......


@mitchblue wrote:

If I had to pick one I currently own, Amazon Store card. I shop there so much, sometimes too much.


That's a good point, haha. Not to mention it offers 5% back or Promo finaning on purchases >$150!

 



AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]

  
CENTURY CLUB MEMBER

Message 10 of 39
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.