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What is your favorite credit card?

So I am contemplating getting a new credit card. Have been reading a lot about various rewards programs for cash back, miles, exclusive booking, etc. Honestly it all seems pretty damn similar at a certain level with just minor differences in annual fee, categories, or something else.


Do you have a card that you absolutely love? Why?


This is very important thx

๐Ÿฑ Off-Topic
๐Ÿ„ Personal Life
12
TheLoneGun
Praised Answer
+1
Extremely Rad Product Offloading Specialist
Amex Platinum. Mainly because I travel quite a bit, and I can just have concierge make reservations and get me tickets to stuff.ย  ย Plus, I'm hoping one day they give me the black card so I can use it at Publix and impress the fuck out of the high-schoolers ๐Ÿ’ช๐Ÿผ๐Ÿ˜Ž
JDialz
Politicker
+5
COO
Gotta keep the clout up ๐Ÿ’ช๐Ÿผ๐Ÿ˜Ž
thegrinch
Politicker
+7
SDR
LOL
HarryCaray
Notable Contributor
+14
Regional VP
IMO nothing beats cash back.ย  A lot of the other stuff is gimmicks.ย  With that in mind, I use the Citi Double Cash card for literally everything.ย  As long as you don't carry a balance (pay it off in full every month), you get 2% cash back on EVERY purchase.ย  Cash it out at the end of every year and it's a nice little bonus!ย  Plus there are no annual fees, which is awesome.

I have several others but that's what I use primarily now that we're not traveling.ย  When I was traveling and expensing stuff, I used my Amex Platinum.ย  Lots of fun travel perks.
JDialz
Politicker
+5
COO
So you say "now that we're not traveling." Do you mean that you used to pull that card a lot for work travel, or you're also not doing personal travel now? I haven't slowed down with traveling, but cash back does seem to be a superior benefit.
HarryCaray
Notable Contributor
+14
Regional VP
I meant work travel.ย  I used to use the Amex card for that so I could keep all those expenses separate from my personal stuff.ย  And I could use it to rake in some travel benefits.ย  But for everyday life, I use the Citi card for everything.ย ย 

We might start traveling again soon, so might have to break out the metal card!
Show 1 more replies
amyhyoung
Politicker
+5
VP Operations
It used to be Chase Sapphire Reserve, but they increased their annual fee to $550, which is just getting pretty outrageous. Even if we can return to travel soon, I want to find a new card for travel... but I do love the heavy weight of the card, which is a dumb reason to keep it but still have it nonetheless.ย 

I just got the Amex Blue Cash Preferred for groceries (6%) and gas+transit (3%). I like it and it's the highest I've seen for those categories (besides Costco gas).ย ย 
JDialz
Politicker
+5
COO
A coworker specifically mentioned the weight of that one too.ย 
amyhyoung
Politicker
+5
VP Operations
There's just something satisfying about that heavy metal card going *plunk* on a table :)ย 

The points guy did a good article on why he's keeping the reserve, but he does talk about pros and cons of reserve vs preferred, which may be helpful for you:ย  https://thepointsguy.com/news/why-im-keeping-my-chase-sapphire-reserve/
salesandstrategy
Opinionated
+1
Senior Account Executive
Chase Sapphire Reserve, however, there are lots of good rewards cards. Preferred is fine if you just want lower fees.ย 
JDialz
Politicker
+5
COO
I currently have the Preferred, and have been thinking about the Reserve. The perks are certainly tempting.
salesandstrategy
Opinionated
+1
Senior Account Executive
If you are planning to take 1+ international trips a year it's worth it. Reminder that you effectively pay $300 less for the travel perks and get the free every 5 years Global Entry/TSA Pre check.
Tres_Comas
Politicker
+6
Account Executive
#TeamChaseSapphire
CuriousFox
WR Officer
+11
Senior Account Executive
If you're churning you're going for the subs. Regardless if it's Amex or Chase.ย 

If you're looking for a good everyday card you need to figure out what's most important to you. There are many great cashback cards. Check out r/creditcards on Reddit.ย 
JDialz
Politicker
+5
COO
Do you have a personal favorite? I am leaning towards miles over the other main perks.
CuriousFox
WR Officer
+11
Senior Account Executive
I'm not traveling so I can't justify the expense of the Amex Platinum right now. Streaming, groceries, and dining are more important to me now so I have chosen cashback. The Chase Sapphire line has high sign up bonuses at the moment, as do other companies. Again I'd check Reddit. You can get higher bonuses through referrals posted too.ย 
Show 3 more replies
Marketingpet
Politicker
+2
Partner Manager
Chase or Costcoโ€™s credit card are your best options. Costcoโ€™s gives 4% back on gas, 3% on dining, plus the travel perksย 
JDialz
Politicker
+5
COO
Oh forgot about Costco. Need to add that one to the mix of options. Thank you!
AnchorPoint
Politicker
+8
Business Coach
Discover Card - hands down.ย  I have carried it since it's inception when it was owned by Sears.ย  No annual, Cashback, and, most importantly, incredible customer service.
JDialz
Politicker
+5
COO
Which one?
AnchorPoint
Politicker
+8
Business Coach
Cash back.
Show 1 more replies
Beans
Politicker
+5
Account Executive
Any Canadian suggestions? I'm a few months out from my main expiring and I don't feel I'm getting the value I want.
GlenRoss
Politicker
+6
Account Executive
Fidelity
JDialz
Politicker
+5
COO
Like your 401k?
Chep
WR Officer
+10
Business Development Team Lead
I like the apple card becuz it's a thicc boi
JDialz
Politicker
+5
COO
Just this weekend somebody was telling me about the high cash back rate. I'll have to look into that one!
AnchorPoint
Politicker
+8
Business Coach
Discover is very hard to beat.ย  Solid customer service.ย  Amazing security team.ย  And money back on every purchase.ย  HOWEVER... I only advocate credit cards when the full balance is paid every month!ย  Otherwise, it is foolish. (yes, I accept there are a few - very few - exceptions)
JDialz
Politicker
+5
COO
Oh yeah Iโ€™m with you there - I donโ€™t pay CC companies interest.ย 
salesninja
Opinionated
+3
VP
My favorite credit card is the company credit cardย 

But, for personal use, I go with Amexย 
JDialz
Politicker
+5
COO
Must be nice. Which Amex though?
salesninja
Opinionated
+3
VP
platinum...i'm too poor for a Centurion card
PeterSwan
Opinionated
+2
Business Development Manager
Bansa Intesa Visa card
Salespreuner
Big Shot
+11
Regional Sales Director
Citi and Amex platinum. Helps good for and while travelling
BCD
Politicker
+6
BDR
Chase Sapphire Reserve
Justatitle
Politicker
+8
Senior AE
Amex delta sky miles, havenโ€™t paid for a flight in yearsย 
Th
Theloanemperor
Opinionated
+3
Loan Officer
AMEX Platinum hands down. Benefits are incredible and its sexy :Dย 
bamageorge
Celebrated Contributor
+9
International Sales Director
Cash backs or Travel rewards! Avoid stores credit cards, their fees will eat you alive!ย 
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