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If you could have only ONE card....

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Community Leader
Valued Contributor

If you could have only ONE card....

What would it be? ONLY one. 

 

For me, I guess the Amex BCE.  Groceries and gas are big for me. 

 

EDIT: I guess I should specify—one CREDIT card LOL. Debit isn’t part of this equation

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
52 REPLIES 52
Established Contributor

Re: If you could have only ONE card....

My library card.

Message 2 of 53
Senior Contributor

Re: If you could have only ONE card....

Probably the Chase Sapphire Reserve, with a shout-out to the Barclay Uber Visa.

 

The BCP is good for what it's good for, but our grocery and gas spend isn't big. 

(My BCE only recently became a BCP because Amex gave me 250 reasons to upgrade. Smiley Wink)

Cards: ample. Income: adequate. Credit: abundant.
INQs: excessive. Last INQ: fresh.
Oldest account: adult. Youngest account:
Infant.
AAoA: closer to optimal than horrible.
All scores above 815.

On the wagon.


Message 3 of 53
Frequent Contributor

Re: If you could have only ONE card....


@pinkandgrey wrote:

What would it be? ONLY one. 

 

For me, I guess the Amex BCE.  Groceries and gas are big for me. 


Assuming that one card wasn't subject to the whims of things like random Financial Reviews, while on vacation...

https://consumerist.com/2008/12/15/amex-cuts-you-off-unless-you-show-them-your-tax-returns/

 

I would go with a reputable credit union, with a large limit. They are unlikely to shut the card down for no good reason.


Either that, or a top tier travel card with a high annual fee. Like CSR, or Prestige. Again, they are unlikely to shutter for no good reason, particularly when receiving a high annual fee. Plus... exclusive benefits.

Message 4 of 53
Senior Contributor

Re: If you could have only ONE card....


@rbentley wrote:

My library card.


Along those lines, I would think a Social Security card would win.

 

Joking aside, CSR for travel rewards, a Visa for Costco, and good customer service.

Most spend: CSR, CFU, BBP, Costco, BCP
Rewards/AAoA ballast: CF, Discover, ED, Arrival, Double Cash
Perks: Schwab Platinum, IHG49, Hyatt75, Brilliant, Delta Platinum, Aviator Red
Plan to close: Savor
Message 5 of 53
Community Leader
Valued Contributor

Re: If you could have only ONE card....


@wasCB14 wrote:

@rbentley wrote:

My library card.


Along those lines, I would think a Social Security card would win.

 

Joking aside, CSR for travel rewards, a Visa for Costco, and good customer service.


Interesting. Seems like a lot of people love the CSR

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 53
Established Contributor

Re: If you could have only ONE card....

Just for clarification: is a debit card excluded?
If I could still carry my debit card then I would keep my Discover.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


Take the myFICO Fitness Challenge




Message 7 of 53
Established Contributor

Re: If you could have only ONE card....

Blue Cash Preferred

Message 8 of 53
Contributor

Re: If you could have only ONE card....

Easy... Amex Black.
Message 9 of 53
Community Leader
Senior Contributor

Re: If you could have only ONE card....

AmX Centurion

Oh how I wish dreams could really come true ☺️
GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10 of 53