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If you could have only ONE card....

Frequent 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

Amex BCE: 18k
Discover It: 17.2k
Barclays Apple Rewards Visa: 4.5k
BBVA Compass ClearPoints: 4k
Citi DC: 3.7k
US Bank Cash +: 1k

~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
52 REPLIES
Frequent Contributor

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

My library card.

Message 2 of 53
Valued 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)

2019 Goals: actually garden; save 3 months' net income; clear the BT cards; acquire a CO card
2020 Goal: Chase Freedom (Q2)

EQ8129 INQ (5 CC, 2 mort, phone, CU)
EX80210 INQ (6 CC, 2 HELoan, 2 mort)
TU8207 INQ (5 CC, 2 mort)
9/24 < 3% AAoA 6.6 - 7.3 | AoYA 0m | AoOA 20ish y
Take the myFICO Fitness Challenge [ Last INQ 7-Jan-2019 ]
I can garden. Yes, I can. I guess..
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.

Protections: CSR, Schwab Platinum, Costco, Double Cash
Rewards/Offers: BBP, CF, CFU, Discover, ED, BCE
Annual nights: IHG, Hyatt
PIN: Arrival
Bonus chasing/retention games: Aviator Red, SPG Luxury
Message 5 of 53
Frequent 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

Amex BCE: 18k
Discover It: 17.2k
Barclays Apple Rewards Visa: 4.5k
BBVA Compass ClearPoints: 4k
Citi DC: 3.7k
US Bank Cash +: 1k

~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 53
Regular 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: TU 631 - EX 641 - EQ 669
Current Score: TU 646 - EX 647 - EQ 651
Goal Score: 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
New Contributor

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

Easy... Amex Black.
Message 9 of 53
Valued 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
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $25K || AmX ED $25K || Discover IT $15.7K || NFCU CLOC $15K || Macy's $15K || AmX Magnate $11.5K || NFCU Platinum $7.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10 of 53