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If you could have only ONE card....

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pinkandgrey
Senior 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: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 16k
CapOne Venture X: 10k
52 REPLIES 52
rbentley
Established Contributor

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

My library card.

Message 2 of 53
expatCanuck
Super 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)


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 3 of 53
trusty
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
wasCB14
Super 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.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 5 of 53
pinkandgrey
Senior 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: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 16k
CapOne Venture X: 10k
Message 6 of 53
Anonymous
Not applicable

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.
Message 7 of 53
Blodreina
Established Contributor

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

Blue Cash Preferred


Message 8 of 53
vV35Hszm
Contributor

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

Easy... Amex Black.
Message 9 of 53
CreditInspired
Super Contributor

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

AmX Centurion

Oh how I wish dreams could really come true ☺️

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 10 of 53
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