Need a good daily driver catch all card...

[summerterrace]

Choices are:

Navy Federal Cash Rewards 1.5% on everything, $150 SUB (I'm a member and pre-approved).

Pen Fed Power Cash Rewards 1.5% on everything, $100 SUB (I'm a member and pre-approved, also if I want to open a checking account I could get 2% but not sure I want another checking account)

Chase Freedom Unlimited- 1.5% on everything (have CSP), could do a product change from another card (like the Freedom I don't use)

AmEx Magnet- 1.5% on everything, $200 sub  (don't have any AmEx cards so this would be first).

Torn between these options.  Any experiences or feedback on any of these cards?  The spend won't be a problem to hit for any of the SUBs.

[JNA1]

We have the NFCU cashRewards and AMEX Cash Magnet and both are fine, but we rarely use either that much because of the 1.5% rewards system. We got a great SUB with Cash Magnet and we used the 0% (and $150 SUB) on the cashRewards card for a while, but neither are in our normal rotation now. 
Of your choices, I'd go with the PCR, but I'd open the check account to make it a flat 2% card. If 1.5% is fine for you, I'd probably go with the NFCU cashRewards just because of NFCU's awesome customer service and their generous credit lines. 

[Ficoproblems247]

I like the 2% vs the 1.5%. I have the Citi DC, but it's pretty lackluster if you're looking for anything other than a basic card that will get you 2%. I like that it can direct deposit my rewards into my main FI. As I understand it you can earn some nice stackable rewards with Chase if you're bought into their UR program and redeem through their travel portal. I think you get better return with the CSR than the CSP though, but someone more knowledgeable needs to comment on that. I know that the FU/sapphire combo can be a nice earner for those that do it right from what I've read. 

[ccquest]

I'd park $500 at PenFed and make it a 2% catch all card, that's what I do at least.

[kerplunk]

I've been using the Navy Federal Flagship Rewards card as my primary card for nearly a year and it's been wonderful. 

[summerterrace]

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@kerplunk wrote:

I've been using the Navy Federal Flagship Rewards card as my primary card for nearly a year and it's been wonderful. 

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I am approved for that one too but the Amazon Prime SUB is meh... and I'm not super hyped about the $49 annual fee, when I can go to Pen Fed and get 2% for no annual fee...

I will have to go look at it again.  LOL

[summerterrace]

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@ccquest wrote:
I'd park $500 at PenFed and make it a 2% catch all card, that's what I do at least.

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Considering this but I already have 2 other checking accounts so I don't want it to get to be too much manage.  I do have a high yield savings at Pen Fed though..

[Anonymous]

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@summerterrace wrote:

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@ccquest wrote:
I'd park $500 at PenFed and make it a 2% catch all card, that's what I do at least.

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Considering this but I already have 2 other checking accounts so I don't want it to get to be too much manage.  I do have a high yield savings at Pen Fed though..

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Basically, if it's worth spending time getting 1.5% rewards (and for low spend it probably isn't), it's 33% more worth getting 2%.  Opening a checking account isn't that big of a deal, especially with this there is no need to actually use it, just park $500.   You get some interest, 0.15%

To do some basic math, with say a Paramount checking account, you could earn 0.7% more, so you are losing $3.50 a year in interest compared to that.   If you spend more than $700 a year with the credit card, the extra 0.5% earned will more than make up for it.

[TSlop]

The CFU currently has 3% on dining/drugstores and 5% on travel (through the Chase portal) to go along with the base 1.5% on everything else. The CFU pairs well with the CSP, which is what I do, and I transfer all my URs to the CSP every month. It also has a SUB of $200, which I would personally take over a PC.

[coldfusion]

There have been a number of good choices listed - any 1.5% or 2% cashback Visa or Mastercard with no AF and no FTF would be a viable choice.   Personally I would lean toward a NFCU Cash Rewards or PenFed Cash Rewards card,  but really it's hard to go wrong with pretty much any of the other suggestions made.