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I think it’s definitely important to have one of each network. There are places that only accept certain networks so at a minimum I would have a VISA and MasterCard but it doesn’t hurt to have an Amex and Disco too.
I've seen special promotions like "save $10 off $50 purchase using your Mastercard" so that's enough reason for me!
I think the case for "needing" a Discover is pretty weak unless a person travels to China and Japan and needs UnionPay/JCB network support.
@Anonymous wrote:I think it’s definitely important to have one of each network. There are places that only accept certain networks so at a minimum I would have a VISA and MasterCard but it doesn’t hurt to have an Amex and Disco too.
I don't see the appeal of the NFCU Amex. It's the inconvenience of the Amex network (lower acceptance) but without the special protections and features of Amex-issued cards.
@wasCB14 wrote:I think the case for "needing" a Discover is pretty weak unless a person travels to China and Japan and needs UnionPay/JCB network support.
@Anonymous wrote:I think it’s definitely important to have one of each network. There are places that only accept certain networks so at a minimum I would have a VISA and MasterCard but it doesn’t hurt to have an Amex and Disco too.
I don't see the appeal of the NFCU Amex. It's the inconvenience of the Amex network (lower acceptance) but without the special protections and features of Amex-issued cards.
It has all of the special protections and features of Amex-issued cards.
https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
I got it because I wanted a grocery spend card but if I get the Cash+ later this year, Cash+ will take over my BBVA’s category spend so I’ll make the BBVA my grocery card - if I don’t get the Cash+, I’ll go for the Bank of the West card. I don’t really like the minimum redemption on the More Rewards so I would rather either merge it with my Platinum or close it and open a new cashRewards for the SUB then get a Cash Magnet for a real Amex card.
@pinkandgrey wrote:
I’ve heard several people say they feel like it’s important to have a card from each of the major networks—Amex, Disco, MC, and Visa. My OCD self can totally understand, but I’m curious about what you all think. Is there really something to this?
DEBATE AWAY
I don't know that you need all 4, but I think that you definatly need more than one in case one network goes down. That being said in the 30 years I spent in retail when Credit Cards were down it was almost always a store problem vs a card network problem.
Makes me feel better.
Have been in places that required a certain pay.
Sams, Costco, hair dresser, out of country, etc.
Makes me feel better to have the big four in my wallet: MC, Visa, Amex, Discover.
I am lucky to have large limits on MC, Visa, and Discover also and DW has large limit on Amex.
I also carry $100 on me, $100 in my wallet, and $100 in each car in cash in small bills.
Never really have to worry about a weird situation popping up.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
@Anonymous wrote:It has all of the special protections and features of Amex-issued cards.
https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
I got it because I wanted a grocery spend card but if I get the Cash+ later this year, Cash+ will take over my BBVA’s category spend so I’ll make the BBVA my grocery card - if I don’t get the Cash+, I’ll go for the Bank of the West card. I don’t really like the minimum redemption on the More Rewards so I would rather either merge it with my Platinum or close it and open a new cashRewards for the SUB then get a Cash Magnet for a real Amex card.
Compare the extended warranty terms. NFCU Amex cards get up to one extra year, but Amex-issued cards get up to two extra years.
Delta Blue and the other five Amex-issued cards I checked:
https://www.americanexpress.com/us/credit-cards/card/delta-blue/?eep=25330
Did Your Warranty Run Out?♦︎
Why is it that as soon as a manufacturer's warranty runs out, something always seems to happen? When you use your American Express® Card for eligible purchases, you can get up to two extra years* added to the original manufacturer's warranty. Applies to warranties of 5 years or less. Please read important exclusions and restrictions.
NFCU (from your link):
Extends the terms of original manufacturers' warranties (of five years or less) on a covered product purchased entirely with the Card for a period of time equal to the duration of the original manufacturer's warranty, up to one additional year, on products purchased in the United States.
Or maybe you're right and your link is just out of date.
Where I live you have Costco on one side of the street, and Smith's on the other side.
On a related note, I carry a thin wallet with 3 credit card slots. The thought of carrying a fourth card distresses me, but I'd like to get my own M/C account at some point. Not sure how I'll manage it.