Your top 5 credit cards

[Namduw]

I would be interested in seeing a list of your favorite cards.  I'm thinking about applying for a new card.  I did try searching for a recent list like this prior to posting.

I am mainly interested in high credit limit and great customer service.  For instance, Capital One stuck with me through a rough patch.  I would never close my capital one accounts.  Another company, I can't remember which, has previously closed my cards because they were not active for only a few months.  I am currently only using one card for most of my purchases and that is the Chase Freedom.  Btw, my credit score is about 750-777 and I don't carry much debt.

[Varsity_Lu]

You are going to have 10 people post and get 50 different cards.  If you told us what categories you are needing to cover, it would narrow things down and you might get some better responses.

[Namduw]

I think I am manly interested in knowing what card companies have you had the best customer service from long term.  I will edit my request.

[Vinjints]

Points vs cash back also matters. As well as what cards you already have. 

Otherwise I think NFCU for limits + service. Fan of Chase Prime, Citi custom cash, and USB cash+/MCP for specific spend, though haven't really had to deal with customer service. 

[ElvisCaprice]

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@Namduw wrote:

I think I am manly interested in knowing what card companies have you had the best customer service from long term.  I will edit my request.

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Look at our signatures in the bottom.  Will give you a good idea on your question.  Scroll thru the threads to see various profiles.  Service is not at the top of my priorities or excessive CL's, sufficient is fine, the less contact the better.  Rewards, for my spend, is the number one priority.

[Varsity_Lu]

AmEx is great.  Most people who get their cards keep them long term and even though they may start out with modest ($1k - $3k) limits, they can grow very fast.  3x every 90 days sometimes. And they are known for great customer service.  Blue Cash Everyday gives 3% on gas, groceries, and online shopping.  Navy Federal is known to grow to high limits and most people really like working with them.  I have the More Reward card which is 3% on gas, groceries, and dining.  A lot of people don't like Cap One, but I love Savor.  3% on groceries and entertainment.  They have given me high limits and have been great over the 4 years I've been with them.  A lot of people love Citi Custom Cash, but their customer service consistently ranks at the bottom in every list I've seen.  Same with Comenity/Bread.  I love their AAA card, but I've never had to deal directly with them. I've heard horror stories, though.

[radiofrequencies]

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@Varsity_Lu wrote:

You are going to have 10 people post and get 50 different cards.  

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So true!

@Namduw 

Amex has a reputation for allowing limits to grow pretty big with how they frequently grant 3X CLIs every 90 days. It's also commonly said that they have pretty good customer service.

I recently opened up two new cards and I picked the cards based on my spend and current rewards. I'm team cash back and the new cards get me more cash back on periodic purchases. Your Chase Freedom has good cash back with a flat 1.5% back on everything and 3% on dining and drugstore purchases, so maybe a 2% card or a card that gets 5% back on groceries will benefit you. If you know what kind of credit card you are interested in, Doctor of Credit is a good resource to browse available options, along with here on the myFICO forums. Another thing to consider is sign up bonuses if you can meet the requirements through organic spend.

[FicoMike0]

I agree with @Varsity_Lu , amex and navy are good. I've found a local bank, Huntington, to have good customer service. Since I generally avoid customer service, I have no info on others. Oh, I have been to the usb lobby, they are always nice.

[Realist]

Highly unique on what you are trying to achieve.  So many cards with so many unique purposes, but my only priority is vacation rewards and travel coverage.  Vacation and travel rewards, if coupled with welcome bonuses, will always, always, always, produce a significant value well beyond any cash back card.  We have a nice amount of vacation rewards, and we use two-three days at a time, each and every month, free of charge.  We tend to end the year with a big vacation.  Our only cost is everything that is not the room.  That 2% cash back Costco card or Visa/MC, isn't giving you anything back when compared to the $1000s you leave on the table by not pursuing travel or hotel.

Now, if you aren't doing welcome bonus, and free isn't on the table, your next best line is with the AMEX portfolio.  This is the pay to play line, where free is no longer the option, you are paying for it.  But, by pay, it means you can string together a portfolio that will allow you to vacation and travel, to some of the most luxurious places in the world, for cheap and affordable.  It's not free.  It's not easy.  It requires some work, time, and effort to set up, and it's not simply available to everyone.   I'm not going to say much more than that, but imagine taking a $10,000+ vacation annually, for a mere fraction of that price.  

Some people chase cash back rewards.  I have in-laws that love their 2% cash backs from VISA, MC, and Costco.  I'd rather enjoy free, or luxury vacations on the cheap.  You don't get there, until you first learn to identify it, and then work to implement the program.  Most people won't, but for those who can, it's a boon.

Our daily driver is some of those from the AMEX line, along with an IHG card.  Everything else is a toss away, one night stand card simply for the welcome bonus.

[Namduw]

Thanks for all of the replies.  Maybe down the road I will start thinking about how to benefit most from a particular type of card.