This is an easy one.
BARCLAYS bar-none 
For me NASA CU too. Those old dogs pulled a Barclays on me. Never again.
@Anonymous wrote:I am not sure why people are so against Barclay. In the past 5 months they have given me 120k American Airline Miles and 650 dollars. I did have to pay 190 dollars in annual fees for the 120k American Airline MIles but that still seems like a good deal and 650 dollars for 3k spend is pretty good as well.
Wife got a Ring card about a year ago with a 10k SL, before they nixed the Prime + 5% structure for new applicants. Util was around 32% and TU score was in the 750s or 760s at time of approval. They sent us loads of convenience checks; since there is no fee to use them, if paid off relatively quickly the fee is lower than a 3% fee on a 0% card would be. Used a convenience check to pay a contractor that didn't accept credit cards like $6,000 and paid it off in 2 months. A few months later, used another check for about $8,000 to pay another contractor and paid about $850 the first two months (many multiples of the "minimum payment") and were planning to pay it off by month 4. They slashed her credit line to $6400 when the statement cut and reported 98+% utilization!!! They sent a letter stating their reasons: payments have been too low and her FICO score. For clarity, again all payments we had made since opening the account were huge. Her TU 08 FICO score at the time they slashed her credit line, and noted on the letter, was in the 780s and her overall util was down to about 22%. Flawless credit reports, income in the 200s, oldest account 25+ years, AAoA 14 years, 3 TU inquiries (one of which was them), a few accounts opened in past 2 years but only new account was being added to an AU on my SPG since opening the Ring card. Only her Kohl's card has a lower limit (and that's due to the previous $3k cap on credit lines).
I know that there are many people that have had Barclaycard products for years with no issues, but which other lender have you heard of that balance chases for the sole reasons of only making $850-$4,000 monthly payments towards 3-8k balances and having credit scores juist slightly south of 800?
OK, mountaindew, I see what you're saying now. You're right, if I pay $550 for Platinum, I get all kinds of perks right off the bat without having to actually use the card. If I was to pay for SkyClub and Priority Pass access and hotel tiers and all that stuff a la carte, it would be way more than $550. You're absolutely right about that.
What I'm saying is, the reason I won't apply for one, is that I personally wouldn't buy those perks anyway, whether at full price or for $550, and for me that money is better spent on something else. Those Platinum perks aren't worth the fee to me. Most people who have one talk about how the $550 isn't the true fee because of travel credits and Uber credits. Yes, you can reduce the net fee if you actually make use of those credits AND they are reimbursements for something you'd buy anyway. For me, that's not the case.
As for the BCP thing, if you're not figuring out how to optimize rewards earning with the cards you have, then you're likely leaving money on the table. I try my best to avoid doing that.
@Anonymous wrote:Another thing is it worth it to have a bunch of multiple cards to figure out which one to use for which purpose. To me I would rather just use one card at a time. Once you get above 3 for different categories it isn't worth it to me.
One thing that some of the coupon cutters dont' take into account though is that the BCP has an offer for 200 dollars for 1k spend and no annual fee the first year. So you could get 560 dollars on 6k grocery spend the first year. So the app is definitely worth it if you are trying to get the maximum return on your spend. Just cancel it after the first year if you don't want to pay the annual fee.
To be honest, it would be more like $550 based on Amex cash rewards redemption policies. 
I've seen this offer and it is actually tempting. I might have gone for it had I not been turned off by my BCE's crappy cash redemption policies, and the fact that I'm already pushing the limit on Amex revolvers and there are other cards from them I'd rather get first.