What's your favorite credit card, and why?

[SamsungHDTV]

Name your favorite credit card you use primarily, and the reasons why. Whether it be for the rewards, the perks, the customer service. 

Just curious what the majority of myfico members favor.

[Creditaddict]

Fidelity American Express = 2%
Capital One Quicksilver = 1.5%

[Anonymous]

I'm excited about some of the Amex perks like $5/$25 BP gas, $10/50 Lowes, etc. Plus the 3x CLI and backdating.

But I'd really like to have Discover for some of those Shop Discover deals.

I like GE for the credit limits soft pull.

[Anonymous]

I try to maximize the rewards, so whatever card gives me the most cash back or points! I haven't needed to call CS on anything so I can't comment on that.

Some perks I find nice though are AmEx's 3x CLI and Discover's ShopDiscover. Discover also was the first to auto CLI me.

[yudeology101]

I think OP wants to know specific cards & reasons. 

Mine is CSP:  It's my 1st 5k CL, great rewards system (top for travel miles transfer), 7% Annual Points Dividend on all new points earned, love the aesthetics of the card (metal based design & love the heavy feel), & finally one of the best customer service i have received so far.

::edited for typos::

[cottoncrown]

The mobile iphone apps for Amex and Discover are top quality which is a big deal for me. Customer service has been really good with both cards as well. Maybe a little better with Discover. I'd have to say its a tie between Discover It and Amex PRG. I prefer the look of PRG to Discover. I like the "Cash-Over" option with discover so that I don't have to find an ATM. It's a toss up I guess, haha.

[eddie84]

BofA has really grown with me over the years. Gave me generous CL to start with plus their CS isn't that bad either (but Discover CS still wins hands down).

[SamsungHDTV]

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@cottoncrown wrote:
The mobile iphone apps for Amex and Discover are top quality which is a big deal for me. Customer service has been really good with both cards as well. Maybe a little better with Discover. I'd have to say its a tie between Discover It and Amex PRG. I prefer the look of PRG to Discover. I like the "Cash-Over" option with discover so that I don't have to find an ATM. It's a toss up I guess, haha.

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Can you tell me more about the amex and discover apps? What can you do on the app that makes it nice? And what's the "cash-over" option. That sounds interesting.

[Meltdownblitz]

I try to use ccs according to reward % being offered. Otherwise I use CSP as default card, main reason (I'll be honest) the card design, I love using the card because of this, nice classy way to pay for things. (also depending on where I'm using it at, don't use it much at mc donalds or other places like that) Not to mention, its just a great card in general with great perks and awesome customer service! And when I don't feel like using CSP or usually under $10, I'll use arrival card for 2%.

Great thread btw let keep it going, interested in what others fav cards are and why.

[oscar_actuary]

Discover It.

All else being equal, they have better trade in value of the pointe for simple folks who don't trade them in for Airlines, etc

Shop Discover is awesome.

my daily go to card is Fidelity Amex, for the easy peasy 2% on everything

Nothing personal, I get what I can from each.