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Which credit cards are the best?

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Valued Member

Which credit cards are the best?

Who cards would you say are the best?
Best for travel and best for cash back?
Message 1 of 79
78 REPLIES 78
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Valued Contributor

Re: Which credit cards are the best?

Simply put:
There is no "best" card for everyone

It all depends on an individual's spend (and in the case of travel cards also on the preferred travel partners)
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 2 of 79
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Valued Member

Re: Which credit cards are the best?

Well suggestions on some of the best cards
Message 3 of 79
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Frequent Contributor

Re: Which credit cards are the best?


@dragontears wrote:
Simply put:
There is no "best" card for everyone

It all depends on an individual's spend (and in the case of travel cards also on the preferred travel partners)

^ this

If you provide more specifics as to what you are looking for in a card someone could steer you in the right direction. There are a LOT of different cards.




Goal: Mortgage/Chase Trifecta




Message 4 of 79
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Valued Contributor

Re: Which credit cards are the best?

It all depends on what you need and volume of transactions.

To some Amex Plat is a God send. 

To me, its $550 per year for something I don't need.

 

Navy Flagship is hard to beat.  3% travel and 2% on everything else.

Navy More Rewards Amex is a great compliment to Flagship.  3% on gas, transit, groceries, and restraunts.  

 

WF Propel is a good travel card.  3% on gas, travel, dining

Savor is good dining card. 4% on dining and entertainment

Ducks Unlimited is a great gas card.  5% on gas and sporting goods

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - PenFed & Capital One





           
Message 5 of 79
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Valued Contributor

Re: Which credit cards are the best?

I love love love my FU card from Chase but I agree is there a specific thing you need?!    For Cash back you can't beat a CU or at least with my CU they allow for you to withdrawal the total CL if you wanted which a lot of other cards have a cap to what you can and can't use.....Understandably so but still great to have Smiley Very Happy













((This needs to be updated just added new card))INQ's: EQ: 6 TU: 1 EX: 0 (last 24 mo.)
Recent Accounts: 7-that caused inquires (last 24 mo.)
Total CL: 14.8k Util. LOL% AAoA: 1 yrs, 4 mo.
AoOA: 5 yrs, 2 mo. AoYA: 0 yr, 3 mo.--I think I did the AA/Ao's Right LOL
Message 6 of 79
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Established Contributor

Re: Which credit cards are the best?

It's both horses for courses, and different strokes for different folks. That is, one person will consider different cards best for different use patterns, and, two people will consider different cards best for the same use pattern.

 

If you just want one card for everything, I would consider a 2% cash back card, like PayPal MasterCard and the Citi Double Cash.

 

Discover is also a very versatile card, and you get double cash back for the first year, so it's effectively 2% on everything and up to 10% on categories for the first year. Right now, my Discover card is 5% cash back for groceries, Walgreens and CVS, and any cash back I get is matched in June when my account is a year old. So in the long run, I am getting 10% cash back this quarter on groceries. They do cap the cash back, though.

 

My personal favorite is probably Amex Gold, since it's for dining and groceries and I spend money on one or both of those things nearly every day. Amex Offers can also be a big plus (that's not specific to the Gold Card, though).

 

Someone who travels all the time would probably consider a Platinum and/or Chase Sapphire indispensible ... etc. If you describe your goals or spend a bit, you'll get some great suggestions!


Young profile, but no derogs. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. The only thing in my signature that was on my CRs then was the old closed Exxon card. I am a MyFICO monthly paying customer. One might think my perspective would be welcome here, but ...
Cards

Authorized user / Corporate / Auto loan

Card CLs total $70,600, not counting the AU card. In March 2019, card CLs totaled $0. In April 2019, card CLs reached $500. Since then, I received a lot of great advice on this board, as well as a lot of advice I didn't take, that is good for most situations, but not mine. Bronze spade on July 1.
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 7 of 79
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Regular Contributor

Re: Which credit cards are the best?


@HighGoals wrote:
Well suggestions on some of the best cards

These may or may not fit your lifestyle, but my two favorite cash-back cards (two of my three daily drivers) are:

 

Chase Amazon Prime Rewards Visa

  • 5% back on Amazon and at Whole Foods
  • 2% back on dining, gas, or at drugstores
  • 1% back on everything else (my current promo is 2% back)

 

Citi Costco Anywhere Visa

  • 4% back on gas everywhere
  • 3% back on dining and travel purchases
  • 2% back at Costco stores
  • 1% back everything else


"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 8 of 79
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Regular Contributor

Re: Which credit cards are the best?

I know some will be surprised but I find the AMEX Surpass to be an ultimate card.

 

x30 Hilton Purchases (x20)

x6 Restaurants (x4)

x6 Groceries (x4)

x6 Gas (x4)

x3 Everything Else (x2)

x10 Priority Pass visits

-Free night once you spend 15,000

 

The numbers in the brackets are what the earning is worth in AMEX points when you transfer the Hilton Honors points 1.5 to 1.0. Then once in AMEX currency you can drop the points on a Delta Flash Sale to create a high per point value. But you'll need a membership rewards earning card to make the transfer work (ED, Green, Gold, Platinum, Business) to make the conversion work.

 

Official travel point totals as of 3/21/20 (Goal Free Flights)
Chase Ultimate Rewards 163,976
British Airways Avios 11,332
AA Advantage 10,841
United MileagePlus 4,550
Expedia Points 2,523
Southwest Rapid Rewards 1,000
Hilton Honors 481
Delta Sky Miles 123
Marriot Bonvoy 0

Official cashback as of 3/21/20 (Goal Fund Roth IRA)
Acorns 418.87
Retail Me Not 85.12
Top Cashback 39.08
DOSH App 32.64
Raise Cash 27.49
PEI App 24.28
Club Overstock 23.87
Mr. Rebates 14.65
Rakuten 0.00

Other Point Category
Freebird 3,500
Samsung Rewards 2,750
Open Table 1,400
Message 9 of 79
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Established Contributor

Re: Which credit cards are the best?


@Girlzilla88 wrote:

I love love love my FU card from Chase but I agree is there a specific thing you need?!    

 


Every time I apply at Chase I get an FU by email instead!





Message 10 of 79
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