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IF IF you could only carry TWO cards for the rest of your life

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New Contributor

IF IF you could only carry TWO cards for the rest of your life

Which ones will it be? I’m just curious to what you guys have to say about that.

It can be points or cash back. A good combo that works for you.

For me, my goal was to get The:
SavorOne (I don’t have it yet)
- 3% Dining & Entertainment
- 2% Groceries
- 1% Everything else
Quicksilver (PC venture To QS)
- 1.5% flat everything

I’m a simple man with simple needs and IN MY OPINION capital one has the best phone App interface and Service they have always been good to me with CLI or any other help.
I know there are way better Cashback combos but not for me. I could add in the BOFA Cash rewards, that’s also another good cash back card in my opinion but that would make it 3 cards. 😃

Anyways what would your combo look like??
Message 1 of 52
51 REPLIES 51
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Moderator Emeritus

Re: IF IF you could only carry TWO cards for the rest of your life

If we're talking cashback not sure why anyone's app is lackluster enough to ignore it; even DCU which is a comparitively backwards CU is just fine for a transaction record, payment, and presumably rewards redemption in their app and their web interface.

 

There's a number of 2% options, doesn't make sense to ignore them honestly to have just one app which is rarely checked instead of two apps which are rarely checked: .5% adds up when we're talking lifetimes, and those are easy options nothing complex.

 

These days I'm only carrying two cards (CSR / FU) so I guess that would be my combo of choice FWIW.

 

 

 




        
Message 2 of 52
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Frequent Contributor

Re: IF IF you could only carry TWO cards for the rest of your life


@omarinho10 wrote:
Anyways what would your combo look like?

Driver's license and social security card.

Credit Scores: (FICO 8) 848 Experian November 2020, 844 TransUnion November 2020 | (FICO 9) 847 Equifax November 2020
Credit Cards (newest to oldest): NFCU VISA Platinum $25,000 | BECU Cash Back VISA $10,000 | American Express BCE $3000 | Simmons Bank VISA Platinum $7500 | Capital One No Hassle Rewards VISA Platinum $500
Message 3 of 52
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Super Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

NFCU Platinum

Capital One QS

 

Honestly, I would want one of the two to be a low APR card for large purchases and unexpected expenses so the Platinum at its current 8.24% would be a winner. 

 

For my other card, I would want one that I know is reliable, has simple cash back redemption, and a decent app so it would be the QS as well. The 2% from the PayPal is nice but I don’t like the Synchrony/PayPal portal mess and I don’t trust Sync to be there for me in a dispute like I know Capital One is (I’ve had two in the almost 5 years I have had my QS and Capital One went to bat for me in both of them). 

 

I also wouldn’t want to park my business with just one lender and I would prefer at least one of the two to be with a CU so these two make even more sense. 




Message 4 of 52
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Community Leader
Mega Contributor

Re: IF IF you could only carry TWO cards for the rest of your life


@Gollum wrote:

@omarinho10 wrote:
Anyways what would your combo look like?

Driver's license and social security card.


Wow, your rewards combo is outstanding.

Message 5 of 52
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Community Leader
Mega Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

Of my current lineup , id probably have my Navy CR, great limit, decent rewards and relatively low apr . And for the other id probably go with my Propel Amex for versatilty. Tough choice for only 2 lolSmiley Happy
Message 6 of 52
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Established Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

For me my main card would be my Amex EDP since MR's get a great redemption valvue and then my BOA Premium Rewards for purchases that do not take Amex.

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Thank You Premier 52K | EDP 52k | Bank of America BBR 57.9k
Message 7 of 52
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Established Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

AMEX Gold + AMEX BBP

MMXX intentions: Do the work
My Garden Goal: Double NW

Last spade:Current spade:
Message 8 of 52
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Anonymous
Not applicable

Re: IF IF you could only carry TWO cards for the rest of your life

I have a BofA CR and I would get a CSR.

Message 9 of 52
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Community Leader
Senior Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

Citi DC and Amex BCE

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
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Once you go Berner, you never go back.
Message 10 of 52
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