Freedom first, Schwab Platinum best, Arrival or Brooks Bros worst, nothing in particular for wish.
First card: Capital One Venture One (still have it and it will be 20-years-old next month)
Best card: this is subjective; I am most proud of my NFCU card because I love NFCU but in terms of best rewards it would be my USAA Limitless Cash Rewards card despite its abysmal credit line of $2,500 and APR of 14.9%. Otherwise PenFed is my highest limit and Citi DP is my lowest APR.
Worst card: I don't think I've ever had a worst card..at various points in history I hated Capital One because the limit wouldn't grow at first but they have since taken very good care of me over the years; Discover was very stingy at first; Citibank is pretty awful overall but every once in a while they do something that makes me keep them; such as the 0% promotional purchase APR currently on two of my cards; and they lowered the APR on my Diamond Preferred to 8.99%
Dream card: attained in November; the USAA Limitless Cash Rewards card. If we are playing the wishing game I would say my dream would be for American Express to bring back backdating. I'd tear it up with a PRG, a new Hilton Honors Ascend and maybe even a Gold Delta Sky Miles as they would all report as opened in 1999. But no new accounts for this guy; I like my AAoA of 12 years and need that to continue to age.
First Card - Capital One Plat that I still have to this day; was PC to the QS a few years ago.
Best Card - AMEX Biz Plat card that you will have to pry out of my cold dead fingers before I let it go.
Worst Card - HSBC card from back in day when they were in the credit card game the first time. That was a REALLY bad card to have looking back on it.
Wish Card - None that I can think of. Gonna be completing my collection next year with NFCU and BoA. After that only time I'll step out of the garden is if a new card wows me. *looking at AMEX and their upcoming "super premium" Marriott card*
Great thread! I'll play!
My first credit card was the green American Express card in the 90s--man, did I screw that up! My AAoA would be so amazing and I would still have a relationship with Amex.
My best card, right now, is my NFCU CashRewards card. I am looking forward to an awesome relationship with NFCU, and I have these forums to thank for bringing that to my attention!
My worst card is a toss up...I have a secured Discover It card that I can't wait to graduate, but, I think the Merrick Bank (although, bless them for giving me a chance!) is the actual worst.
My wish card--oh, the thoughts!--is the Chase Sapphire Preferred...or the Capital One Venture...I like rewards.
Thanks...this was fun!
My file is relatively thin as I started rebuilding in March 2017.
First Card: CapOne Platinum
Best Card: Discover It
Worst Card: CapOne Platinum
Wish Card: Chase Freedom or Uber Visa
First - Wachovia Secured Visa. Closed it around '96.
Best - Overall my Amex Platinum, but my daily driver is SPG
Worst - KeyBank card I had in the mid 90s. 30+% APR, no rewards and I think it was a $95 AF.
Wish - Amex Centurion, of course. But realistically in the near-term it's the already-mentioned "super premium" Marriott card coming from Amex. I could also add that on my wish list (and hopefully obtained in 6 months or so) is a $100k credit line on a single BoA card - that's more of a goal rather than a wish list since I've had the card since it was an MBNA card.
In case no one has noticed, @simplynoir and I are obsessed with Amex, SPG and Marriott. LOL
First card: Barclaycard (UK), around 1978, closed by them for non-use once I moved to US
Best cards (at the time): Citi TY Preferred 5x, Amex BCP uncapped, US Bank Cash Plus uncapped, Amex OBC uncapped (you may notice a pattern here!)
Best card now: Amex OBC
Worst card. None really, just a lot that became useless either via nerfing or because better cards came along (e.g. 1% everywhere was great when I got it 1986, then 1.5% was great, then 2%.....)
Wish card: none
My first card Bank of America Visa when I was just 18 my mother "made me" apply with her banker.
Worst either the Amex card from many moons ago they kept declining purchases and then I would call and get purchase approved
I cancelled then and now am back with them or worst terms also moons ago First Interstate Bank with $5,000 limit but high interest and interest and it started day of purchase. I closed that one probably 25 years ago.