@redpat wrote:It's all about the PPPPPPPPP's, points and perks. Especially if you travel for business and pleasure.
A low APR doesn't help only if you need to carry a balance.
Used up my plat 200 airline credit on AA Lounges, I have Citi prestige in my crosshairs......With 3 rounds of golf to boot.
With a few rare exceptions that pop up occasionally from time-to-time (i.e., the time-limited 6.50% V FNBO Amex with 1.5% cashback, also the limited-issue FNBO BucksBack VS at 11.25% V with 2% cashback, and some others -- the NBA Compass card possibly comes to mind as well? --, etc.), it is possible at least in theory to get a relatively-low APR card that has a decent rewards program 
The best of both worlds, of low APRs + rewards? I regularly keep my eyes peeled for these kinds of offers, lol...
@galahad15 wrote:
@redpat wrote:It's all about the PPPPPPPPP's, points and perks. Especially if you travel for business and pleasure.
A low APR doesn't help only if you need to carry a balance.
Used up my plat 200 airline credit on AA Lounges, I have Citi prestige in my crosshairs......With 3 rounds of golf to boot.
With a few rare exceptions that pop up ocassionally from time-to-time (i.e., the time-limited 6.50% FNBO Amex with 1.5% cashback, also the limited-issue FNBO BucksBack VS at 11.25% V with 2% cashback, and some others -- the NBA Compass card possibly comes to mind as well? --, etc.), it is possible at least in theory to get a relatively-low APR card that has a decent rewards program
Rewards yes, perks no. Also, cashback isn't alway the best benefit. You can work amex MR and chase UR to get 3 cents to 8 cents per point depending on redemption.
Plat 200 airline credit, FineHotelResort benefit, gold status SPG & Hilton, Priorty Pass, car rental upgrade status, global entry, TSA pre, Delta lounge to name a few. Prestige is just or some say more impressive with benefits. Not bad for a 200 - 250 annual cost of each card. These card benefits can surpass the rewards that other cards offer.
For example, I did my math for the prestige and I could get $1,500 - $2,000 annual net benefit from this card not including the points that I can stack with AMEX and Chase while not even using the Citi card much.
I know individuals don't like AF but if you travel and you must to get all these benefits then it is really a no brainer.
Cards don't impress me. People do (especially those with good hearts).
That said, I think the most useful cards would be the ones that generate the most useful points, the largest level of flexibility, or the greatest amount of cash back. This may differ for everyone.
For me, these are the Chase Hyatt, the Double Cash, and the Amex BCP. I'm also liking the Ring card very much.
@Anonymous wrote:Credit unions often have 1% cashback cards with a 12% or lower minimum interest rate. It's much more difficult to find cards with both good comparative rewards AND a good interest rate unless they were obtained prior to the housing bubble collapse.
Very true, fair enough and touche I guess my main issue with credit unions thus far, is that it has hard to locate credit unions where I meet the geographical and membership criteria for. Western/Unify FCU is open to all to apply to, so I was fortunate in that regard, but some of the best CU rates and rewards programs, alas, I am sadly ineligible to join for geographical reasons. I also qualify I think for the Apple FCU membership criteria, but I will have to build my credit scores higher before I can even think of applying there. So I guess my earlier posts in the thread about rewards coupled with low APRs may have been much more targeted to the banks in general, versus the CUs.