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If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Would It Be?

Established Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou


@UpperNwGuy wrote:

Any of the cards that offer 2% back on everything:  Citi Double Cash, Fidelity, PenFed Power Cash, PayPal, Alliant, etc.  Pick your favorite.

 

(Notice the absence of any Chase, Amex, NFCU, and Bank of America cards in that category.)


+ 1,  A good 2% general spend card.

I also am not a fan boy of Amex, BofA, or Chase.

 

 Established Contributor
 

Wrote:  A low interest card for major expenses beats out a high interest rewards card if it’s the only card you can have. 

 

Not in my opinion, I have never given 1 cent of interest to a CC issuer so higher rewards is far more important than the APR.

YMMV, but I will take the money.

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k)
US-Bank Cash+ (15k) / FNBO Travel Elite (15k) / Citi Double Cash (18k)
Ficos : 835 / AAoA : 8 yrs / AoOA : 22 Yrs / AoYA : 2
Message 21 of 28
Valued Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou


@Kforce wrote:

@UpperNwGuy wrote:

Any of the cards that offer 2% back on everything:  Citi Double Cash, Fidelity, PenFed Power Cash, PayPal, Alliant, etc.  Pick your favorite.

 

(Notice the absence of any Chase, Amex, NFCU, and Bank of America cards in that category.)


+ 1,  A good 2% general spend card.

I also am not a fan boy of Amex, BofA, or Chase.

 

 Established Contributor
 

Wrote:  A low interest card for major expenses beats out a high interest rewards card if it’s the only card you can have. 

 

Not in my opinion, I have never given 1 cent of interest to a CC issuer so higher rewards is far more important than the APR.

YMMV, but I will take the money.


The average consumer doesn’t have the luxury to buy whatever they want or need without needing a period of time to pay it off. My response was for the average consumer which includes myself. 



Scores 1/1/19:
Scores 2/11/19:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 22 of 28
Regular Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou

Ok. I’ll play. I can whole heartedly recommend the.................

Magnises card. I never leave to a party without it. It’s just pure Fyre 🔥

Message 23 of 28
Established Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou


@Kforce wrote:

@UpperNwGuy wrote:

Any of the cards that offer 2% back on everything:  Citi Double Cash, Fidelity, PenFed Power Cash, PayPal, Alliant, etc.  Pick your favorite.

 

(Notice the absence of any Chase, Amex, NFCU, and Bank of America cards in that category.)


+ 1,  A good 2% general spend card.

I also am not a fan boy of Amex, BofA, or Chase.

 

 Established Contributor
 

Wrote:  A low interest card for major expenses beats out a high interest rewards card if it’s the only card you can have. 

 

Not in my opinion, I have never given 1 cent of interest to a CC issuer so higher rewards is far more important than the APR.

YMMV, but I will take the money.


I'd vote discover as one of the best 2% card because the 5% rotating categories.

Message 24 of 28
Valued Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou


@Kree wrote:

@Kforce wrote:

@UpperNwGuy wrote:

Any of the cards that offer 2% back on everything:  Citi Double Cash, Fidelity, PenFed Power Cash, PayPal, Alliant, etc.  Pick your favorite.

 

(Notice the absence of any Chase, Amex, NFCU, and Bank of America cards in that category.)


+ 1,  A good 2% general spend card.

I also am not a fan boy of Amex, BofA, or Chase.

 

 Established Contributor
 

Wrote:  A low interest card for major expenses beats out a high interest rewards card if it’s the only card you can have. 

 

Not in my opinion, I have never given 1 cent of interest to a CC issuer so higher rewards is far more important than the APR.

YMMV, but I will take the money.


I'd vote discover as one of the best 2% card because the 5% rotating categories.


Except Discover is 1% after the first year. 



Scores 1/1/19:
Scores 2/11/19:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 25 of 28
Regular Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou

I really like my Chase FU card high introductory limit very easy to navigate and use online posts fast and everyone is nice, I have had no problems using it everywhere and the cash back is AWESOME!      I just really like it and am glad I applied for it because I almost didn't only Downfall I have heard is waiting on the auto CLI so you don't have to do a HP but it's up to them whenever they decide to do so the good thing though is that I haven't needed the CLI from that card yet so if they do a random one and update it it will just be a happy surprise haha!

Starting Score: 537
Current Score: 713
Goal Score: 775


Take the myFICO Fitness Challenge






Message 26 of 28
Established Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou


@Saeren wrote:


Except Discover is 1% after the first year. 


Mine has been 2% for over a decade. Maybe I've got some sort of legacy thing then. I just assumed new ones had the same.

 

EDIT:  Apparently I only get 1% cashback on my discover. I have no idea why I thought it was 2% and I am very upset by never verifying.

Message 27 of 28
Established Contributor

Re: If You Were Allowed To Recommend Just "ONE" Keeper Credit Card To A Love One, What Wou

Citi DC. 2% on everything. Straightforward. No need to think about anything. 

Amex BCE: 18k
Discover It: 17.2k
BBVA Compass ClearPoints: 4k
Citi DC: 3.7k
US Bank Cash +: 1k

~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 28 of 28