Your 2025 Card Recommendation/ My Cards

[AyaMai]

My personal cards, have no interest in obtaining business cards, Capital One cards and definetely not Bank of America my primary bank. 

American Express:  

   Amex Platinum

    Amex Gold

    Amex Green

    Amex Hilton Aspire

    Amex Hilton Surpass

    Amex Marriott Bonvoy Brilliant

    Amex Blue Cash Preferred

    Amex Blue Cash Everyday

Goldman Sachs:

   Apple Credit Card

   GM Credit Card

Capital One:

    SavorOne

    Walmart

    Platinum

    Quicksilver

Comneity Bank:

     NY Yankees Visa

     Toyota Visa

     NFL Las Vegas Raiders Visa  

     Bread Cashback 

     AAA Travel Visa 

  Synchrony Bank:

    Sam's Club Mastercard

    Google Financial

    Amazon Store Card

    Venmo

    Synchrony Mastercaed

    Paypal Mastercard

    Paypal Credit

PenFed Credit Union:

   Power Cash Rewards

Wells Fargo:

   Choice Privileges Select Mastercard

    Autograph

FNBO:

 Evergreen

  Best Western Rewards Premium Mastercard

  Amtrak Guest Rewards Preferred Mastercard

Avant:

  MLS Portland Timbers

Mission Lane:

  Mission Lane Visa 

Discover:

  NHL Pittsburgh Penguins

  Detroit Red Wings 

Robinhood:

   X1

US Bank:

  Cash+ 

Toyota Financial:

  Auto Loan

Closed Credit Cards:

    CreditOne

     Petal

Authorized User on Bank of America Cash Rewards, Citi Costco, Capital Quicksilver & Venture, Chase Freedom Flex, Marriott Bold, IHG Premier and Amex Delta Gold.  Once every six months I use the credit cards which I am an authorized user. P2 has Bilt Mastercard is used to pay rent. My utilization is between 0% and 1%.  Will be under 5/24 Chase rule in January 2026 and 0/12  & 12/24 inquiries   on January 2025. My Score Fico 8, Equifax 791, Experian 775, TransUnion 801

[Hoben02]

I'm seeing all those Amex travel cards so what are you looking for a travel rewards card?

[ptatohed]

Ouch, I cringe thinking about the total in annual fees.  It's hard for us to recommend any cards when 1.) It kind of seems like you have more than enough already but 2.) You provided no information for us to work with.  Do you spend a lot in a certain category(ies) that you are trying to fill with high(er) rewards?  Do you want high welcome offers?  Balance transfer?  Low intro rate?  What is it you are trying to accomplish with your next card(s)?

[CorpCrMgr1]

Just being curious why no Chase?

[K-in-Boston]

Why exclude BoA cards?  Why are you team cash back with Amex revolvers when you have 3 MR-earning charge cards?  What's with the random cities for every major sports league, and why is the southeast excluded?

[Shooting-For-800]

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@AyaMai wrote:

My personal cards, have no interest in obtaining business cards, Capital One cards and definetely not Bank of America my primary bank. 

American Express:  

   Amex Platinum

    Amex Gold

    Amex Green

    Amex Hilton Aspire

    Amex Hilton Surpass

    Amex Marriott Bonvoy Brilliant

    Amex Blue Cash Preferred

    Amex Blue Cash Everyday

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What does Amex green give you that gold or plat doesn't?

[AyaMai]

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@Shooting-For-800 wrote:

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What does Amex green give you that gold or plat doesn't?

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I use Amex Green to pay for hotels in the past such as Choice " Now I have their card", Wyndham and IHG, tolls and paking since I do a lot of road trips plus had a high SUB.

[AyaMai]

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@K-in-Boston wrote:

Why exclude BoA cards?  Why are you team cash back with Amex revolvers when you have 3 MR-earning charge cards?  What's with the random cities for every major sports league, and why is the southeast excluded?

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My relationship with BoA started in 2001 when I opened a checking account with them due to NSF fees hit by Wells Fargo which entered Oregon Market by acquiring First Interstate Bank as my paycheck deposit on Friday were credited the next day which meant Monday the next after 4:00 PM cut off time were as BoA entered Oregon by acquiring a local bank and 6:00 PM was the cut off time for the deposits to be credited in the same day. I do not have an issue with BoA as they were one of the first apps when iPhone was launched on June 29, 2007. They declined me for unsecured credit card no problem here but what pissed me off from them I was denied again for secured one :-(   I have no use for their cards, do not fit for my credit cards strategy.  My relationship with Amex goes back to 1989 when I got my the first original Amex Green Card, then the original Amex Optima they have been good to me through the years and thank god I was not blacklisted.  I have young kids and wife as authorized users on my Amex to enjoy the benefits and rewards of those Amex cards.

As for sport team, I chose Las Vegas Raiders as second choice because Dallas Cowboys logo was distorted by the chip, but now I have them on BoA debit card same as I have Day of the Dead 'Día de Muertos' design on my Wells Fargo Debit Card :-), Discover NHL Pittsburgh Penguins design due to Mario Lemieux saving the team but I do love Pittsburgh a hidden gem city, Discover NHL Detroit Red Wings because everyone has a negative judgement of the city, Michigan is a state which I want to visit especially the Northern Penninsula and Ann Arbor.  Avant MLS Portland Timbers as Portland is my hometown. Comenity New York Yankees Mastercard, New York is where I was born.  I am not a sports fan but do read sport section of NYT and WSJ print editions. Unfortunately Cardless no longer issues Boston Celtics and Manchester United. 

why is the southeast excluded? No reason would love to get SUB of southeast banks for opening a checking accounts but they are geofence banks and would love to get a college or professional sport steam logo on a credit or debit cards

[AyaMai]

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@CorpCrMgr1 wrote:

Just being curious why no Chase?

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3 years ago I applied for Amazon Chase, they wanted identity verification, couldn't verify 2 addesses because they were hard to remember but gave them one address which was far older and I was living in my current address for 9 years during the phone call. To this day they deny me opening a checking account online with SUB or without, though I am an authorized on P2 three chase cards plus I have account for Chase Credit Journey.  3 card I would like to get from Chase are  IHG premier, World of Hyatt and Chase Sapphire. I am not able to open a checking account with them in the next 18 months, will not bother myself applying for a credit card and waste a hard pull. 

[AyaMai]

@ptatohed wrote:

Ouch, I cringe thinking about the total in annual fees.  It's hard for us to recommend any cards when 1.) It kind of seems like you have more than enough already but 2.) You provided no information for us to work with.  Do you spend a lot in a certain category(ies) that you are trying to fill with high(er) rewards?  Do you want high welcome offers?  Balance transfer?  Low intro rate?  What is it you are trying to accomplish with your next card(s)?

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 Categories;

     Gas:  AAA Travel Card, Discover and Sam's Club

     Groceries & Streaming: Amex Blue Cash Prefered

     Online Shopping: Amex Blue Cash Everyday

     Walmart+:  Capital One Walmart Rewards

     Dining:   Amex Gold, Amex Marriott Bonvoy Brilliant (Monthly Credit $25) and Discover

     Utilities: U.S Bank Cash+

     T-Mobile: U.S Bank Cash+

     Target:   Target Red Debit Card

     Insurance: Best Western Rewards Premium Mastercard (towards $5000 annual Spend)

     Tolls and Parking: Amex Green Card

     Hotels: Hilton, Marriott, Choice and Best Western credit cards

     Uber: Amex Gold and Platinum

     Trains: FNBO Amtrak credit card 

      2% Cash Back: Paypal, Venmo, Synchrony, Bread Amex

      Pixel Phones & Watch: Synchrony Google Finance

      iPhone, Watch & iPads: Apple Card

      Amazon: Synchrony Amazon Store card

      Costco: 2% Cashback Visa credit cards & Citi Costco Visa

      Rent: P2 Bilt Mastercard

The card I really want is Citi Custom Cash Card as a backup for groceries, gas and dining catagories. Was hoping Goldman Sachs was going to issue T-Mobile credit card but unfortunatelt the deal was cancelled. By the way I do not carry a balance, a card such Wells Fargo Reflect Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers never hurts to apply for this card in case of emergency or a home project but definetly not for travel or dumb reason. I am trying not to apply for any card this year just ask for CL for certain cards in summer.