United Club Card.
1.5 miles on all spend.
Full club membership
And a host of other features useful to a United regular
Plus, spending $25k on it waives me the PQD requirement on United.
Plus I've been grandfathered at the old $395 AF and have gotten retention offer two years in a row.
I also have: ritz, Amex plat, and prestige, and they don't hold as crucial role in my card strategy.
For the record I do plan on getting the Sapphire Reserve and that looks like a great card for earning but I won't get rid of my club card anytime soon. Too many United benefits for me.
1.5 miles on all spend.
Full club membership
And a host of other features useful to a United regular
Plus, spending $25k on it waives me the PQD requirement on United.
Plus I've been grandfathered at the old $395 AF and have gotten retention offer two years in a row.
I also have: ritz, Amex plat, and prestige, and they don't hold as crucial role in my card strategy.
For the record I do plan on getting the Sapphire Reserve and that looks like a great card for earning but I won't get rid of my club card anytime soon. Too many United benefits for me.
My favorite 2:
Ritz-Carlton Rewards for great benefits and protection and it allows me to get nice benefits when staying at their hotels.
Discover It because of price protection and excellent customer service. The shopping portal is awesome and the rotating categories are great too. I love using the card.
Ritz-Carlton Rewards for great benefits and protection and it allows me to get nice benefits when staying at their hotels.
Discover It because of price protection and excellent customer service. The shopping portal is awesome and the rotating categories are great too. I love using the card.
I like my Discover It card it seems to be my go-to card, 1% cash back (5% on revolving categories), free Fico score monthly, and the CLI button has worked for me 3 times in the last 14 months, more than tripling my SL. They've been good to me so far 
@kdm31091 wrote:
@Anonymous wrote:Capital one gets an honorable mention for their card always working no matter what happens to your profile,
I have to pluck this quote out because I am seeing it over and over. Do people really have that much trouble with cards not working? I've had many different cards over time, Chase, BOA, Discover, Citi, US Bank, whoever, and none has ever been declined for any reason. So the whole "Capital One's cards work" thing could easily apply to any card I have because, well, they've always worked when I needed them to.
Sure maybe Capital One is less skittish than other lenders but these types of statements are what make people paranoid and make AA seem more common than it really is for the population. I'm not picking on you because it's a statement I see constantly, just observing that we shouldn't make AA sound more prevalent than it is.
Anyway, my favorite card is probably my BOA Cash Rewards, I bank with them so it's easy to track spending on the CC vs what I have in checking all in one place. Occasionally giving up small bits of rewards are worthwhile to me to have things under one roof.
I can attest that when the chips are down and times are rough, Capital One will not jack up your interest rate or slash your limit. No one expects things to go to crap, but it happens sometimes.
When I went through a tough time, although I had never missed a payment on any credit card. In fact, I paid most in full by the due date. BoA reduced my limit and raised my APR. Amex closed my account entirely. Capital One didn’t flinch.
I do not think my experience is unique. That is why you will hear this over and over again.
NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
@sunkissed wrote:
@kdm31091 wrote:
@Anonymous wrote:Capital one gets an honorable mention for their card always working no matter what happens to your profile,
I have to pluck this quote out because I am seeing it over and over. Do people really have that much trouble with cards not working? I've had many different cards over time, Chase, BOA, Discover, Citi, US Bank, whoever, and none has ever been declined for any reason. So the whole "Capital One's cards work" thing could easily apply to any card I have because, well, they've always worked when I needed them to.
Sure maybe Capital One is less skittish than other lenders but these types of statements are what make people paranoid and make AA seem more common than it really is for the population. I'm not picking on you because it's a statement I see constantly, just observing that we shouldn't make AA sound more prevalent than it is.
Anyway, my favorite card is probably my BOA Cash Rewards, I bank with them so it's easy to track spending on the CC vs what I have in checking all in one place. Occasionally giving up small bits of rewards are worthwhile to me to have things under one roof.
I can attest that when the chips are down and times are rough, Capital One will not jack up your interest rate or slash your limit. No one expects things to go to crap, but it happens sometimes.
When I went through a tough time, although I had never missed a payment on any credit card. In fact, I paid most in full by the due date. BoA reduced my limit and raised my APR. Amex closed my account entirely. Capital One didn’t flinch.
I do not think my experience is unique. That is why you will hear this over and over again.
+1
@Anonymous wrote:
Which card is your favorite and why? Is it simply the design of the card, the reward opportunities, the elite aspect?
Just curious what everyone's fave is & why
I don't have many major cards, but I love my Freedom UL which is what I use on a daily basis. I also like my Amex BCE, but it take forever for things to post to my account, plus I'm not a fan of the plastic looking design lol
@Anonymous wrote:
@Anonymous wrote:
Which card is your favorite and why? Is it simply the design of the card, the reward opportunities, the elite aspect?
Just curious what everyone's fave is & whyI don't have many major cards, but I love my Freedom UL which is what I use on a daily basis. I also like my Amex BCE, but it take forever for things to post to my account, plus I'm not a fan of the plastic looking design lol
I like what they are going for with the clear card, but I think they could have done a little better job on the look of the clear.
It's a tie between Citi Anywhere Visa, Discover It and Amex BCE. I like their promotional offers. I charged my cards to take advantage of 0% interest.
