Most Underrated Credit Cards?

[ChargedUp]

Let's all take a breath and agree there are good things about Uber Visa and Sams Club/Costco cards which benefit different people with different spending habits.

My most under rated is Amex Gold... I'm cleaning up on MR's while keeping the kids fed! Not for everyone, but the 4X grocery up to *$25K* more than eats the AF for me.

[forestgreenrover]

An altogether different kind of fireworks on the 4th!

In any case, I actually happen to totally agree with the OP on the EDP and Disco Miles. I see them as very underrated cards for the simple reason that as much as we love to talk about these issuers on these boards, we don't hear a lot about these two cards.

[kilroy8]

The NFCU GoRewards/MoreRewards pair gives you 3% on Restaurants, Groceries and Gas with no limits. Not to mention the low interest rates, no fee for just about anything, annual BT specials, and high CLs. You don't hear about NFCU much outside of the big CLs and good approval rates, but they are really good cards.

[Anonymous]

I find the AMEX Gold overrated.

- $6,250 spend to cover the $250 AF

- Dining credit is limited to $10 a month at only 4 places

- $100 Airline credit is limited to 1 airline a year

- Charge card

[Anonymous]

The thing with UR and MR is that the points are typically worth more than $0.01, at least if you're using them for travel.  If you aren't, then you shouldn't be using cards in that space.

[ChargedUp]

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@Anonymous wrote:

I find the AMEX Gold overrated.

- $6,250 spend to cover the $250 AF

- Dining credit is limited to $10 a month at only 4 places

- $100 Airline credit is limited to 1 airline a year

- Charge card

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It's all good... Most people aren't feeding 5 teenagers either. If I didn't have the $200-300+/week grocery spend, I would be upside down in this card big time, but it does work for me. I have a $35K POT option should I need it. (I'm hoping I never do!) plus NPSL could come in handy if I didn't have the flexibility of my BoA $65K CL. (I cover and get reimbursed for some quite sizeable work expenses.) We do Cheesecake Factory once a month for the $10 off as all the kids like it.

FWIW, I'd also call BBVA Clearpoints under rated. Now that I've hit the SUB, this is my 3% back for utilities card with medical as 2%. PG&E is gouging everyone like they do every summer, so 3% eats the $1.75 credit card fee and then some. The 2% will pick up some dental needs with the kids. This covers 2 more bases for me that I previously only got 1.5% back on.

The spend categories are broad enough that just about anyone could find a fit for it,

[KLEXH25]

The Uber Visa was at the top of my list for quite a while because it matches my spend very well, but it became obvious that due to my young file, I’d either have to wait another year or risk a small limit. When I started looking at other cash back cards, that’s when I noticed the Costco card. Given that I’m already a member and paying the membership fee anyway, it made complete sense to go for it. In that sense, I agree with OP, in that having the Costco Visa makes the Uber Visa unnecessary now. Or at least as long as I’m a Costco member. And it’s underrated in the sense that it’s not talked about as often as Uber, but I suppose that makes sense since it’s more niche.

On a side note, what benefits are being nerfed? Someone a few posts before mentioned this.

*Added*
Also, what exactly is Discover Miles? Is it cash back or is it a travel card? Where do the “miles” come in to play?

[Anonymous]

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@KLEXH25 wrote:
*Added*
Also, what exactly is Discover Miles? Is it cash back or is it a travel card? Where do the “miles” come in to play?

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https://www.discover.com/credit-cards/travel/

Basically it's a cashback card with the name "Miles" with each mile being worth a flat $.01 per mile.  So it's 1.5% cashback card that in it's first year Discover does cashback match.  What really makes this card awesome is in the first year if you have a lot of spend you need to do like say you bought a new house that was cheap because it's a fixer upper you could use the Discover It miles card for the purchases you make like say $300 for paint, $4,000 for new flooring, $2,500 for landscaping, etc.  This card is great if you have a lot big purchases you need to make during the first year.  If your going to drop 10k plus on big expenses in a year then this card is really awesome for that.    

[Shooting-For-800]

Navy Flagship

2% everything

3% travel

$500 SUB

[Anonymous]

Although I am not one of the chosen ones that can speak from experience, from what I have heard the US Bank Altitude Reserve is underrated in the travel card world, especially given the mobile payments category.

Definitely on my list.