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Which credit cards are the best?

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Mega Contributor

Re: Which credit cards are the best?


@KJinNC wrote:

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.

 

 


Very much this.   And then there are details that we sometimes don't know, someone prefers Card A when card B would "obviously" be a better fit, but it turns out that card B isn't available to that person because of history/dislike/whatever with the issuer.

 

In that vein, why Chase FU (without a UR transfer card) rather than a 2% card, for example!

Message 11 of 79
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Established Contributor

Re: Which credit cards are the best?


@Citylights18 wrote:

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.

 


I'm glad you posted this, because the thought of converting HH points to MR points never crossed my mind. I think my Aspire card does 28 points at Hilton (14 doubled due to Diamond) and 14 points for flights, car rentals and restaurants (7 doubled to 14 due to Diamond), is that right? If so, I might need to seriously rethink some stuff, because (for example) that means I could get over 9 MR points after conversion at restaurants. Somebody tell me if I'm looking at it incorrectly. Dumb question, but how do you convert HH to MR? Thanks again for posting this!


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 12 of 79
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Regular Contributor

Re: Which credit cards are the best?


@HighGoals wrote:
Who cards would you say are the best?
Best for travel and best for cash back?

Like most said, it depends what your needs are.

 

For easiest cashback, in my opinion, the best is the Citi DC at 2% or a CU card. Just put everything on it and win.

 

For travel, it really depends on your needs. For example, even though the CFU earns 1.5%, it can be beneficial to earn at that rate and then transfer them to a CSP/CSR for spending. That 1.5% could be worth more than 2% cashback. There are just so many different travel cards and options, so picking the "best" travel card really depends on what you are trying to accomplish.



(....it appears blue is my favorite color)
Message 13 of 79
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Moderator

Re: Which credit cards are the best?


@Citylights18 wrote:

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.

 


You cannot transfer Hilton points to Membership Rewards points, they can only be transferred to airline partners at a pretty lousy rate.  If this were the case, I could retire by the end of the week extremely wealthy with the Membership Rewards points generated from repeatedly transferring MRs to Hilton 1:2 and back to MRs and then cashing out at a lousy 0.6 cents per MR.  Smiley Wink

 

@Citylights18 please review the responses to your previous thread.  The article you linked to is incorrect.

Message 14 of 79
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Valued Contributor

Re: Which credit cards are the best?


@RealityBites wrote:

@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!


ROFL 













((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 15 of 79
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Established Contributor

Re: Which credit cards are the best?


@K-in-Boston wrote:

You cannot transfer Hilton points to Membership Rewards points

Aww :/

 

But, that makes sense ... that would be a huge exploit if it worked that way.


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 16 of 79
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Regular Contributor

Re: Which credit cards are the best?


@K-in-Boston wrote:

@Citylights18 wrote:

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.

 


You cannot transfer Hilton points to Membership Rewards points, they can only be transferred to airline partners at a pretty lousy rate.  If this were the case, I could retire by the end of the week extremely wealthy with the Membership Rewards points generated from repeatedly transferring MRs to Hilton 1:2 and back to MRs and then cashing out at a lousy 0.6 cents per MR.  Smiley Wink


Convert to Honors Points to American Express Membership Rewards Points

Hilton also allows you to convert your accumulated Honors points to Membership Rewards points, American Express’ in-house loyalty currency.

 

The minimum conversion amount is 1,500 Honors points, which earns 1,000 Membership Rewards points. This is clearly a better deal than frequent flyer mile conversions.

 

https://www.moneycrashers.com/american-express-hilton-honors-surpass-card-review/

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 17 of 79
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Moderator

Re: Which credit cards are the best?

As stated in your previous thread, that article is factually incorrect.  The author reversed the transfer direction (Hilton to MR, rather than MR to Hilton) using the previous 1:1.5 transfer ratio.

Message 18 of 79
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Moderator

Re: Which credit cards are the best?


@KJinNC wrote:

@K-in-Boston wrote:

You cannot transfer Hilton points to Membership Rewards points

Aww :/

 

But, that makes sense ... that would be a huge exploit if it worked that way.


Yes.  As long as no caps were implemented, I would be a billionaire by the end of the day and a trillionaire by the end of the week.

Message 19 of 79
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Regular Contributor

Re: Which credit cards are the best?


@K-in-Boston wrote:

As stated in your previous thread, that article is factually incorrect.  The author reversed the transfer direction (Hilton to MR, rather than MR to Hilton) using the previous 1:1.5 transfer ratio.


Yeah I can't find anything else that backs up this article.

 

If it was true the card would be amazing and by far the best mid tier card.

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 20 of 79
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