I feel like I’m always switching cards chasing points, cash back, or sign-up bonuses, but I’m wondering, what cards do people actually stick with for years?

For context, I travel a couple times a year, like some dining perks, and care about no foreign transaction fees. I’ve tried a few premium rewards cards, but I often end up not using all the perks.

Which cards have you found worth holding onto, even after the initial bonuses are gone? What makes them worth it for you?

Just wondering what are the best credit cards overall on the market right now? Are there any sleepers that most people dont know about?

Hi everyone, I currently have no good cards that offer me any good cash back for everyday use and hoping I could get some advice on what a good card would be for me.

I eat out at restaurants a lot (never use door dash/uber eats), do a good amount of shopping (online and in person) and get around 10-15 tickets every year (concerts and sporting events.) I have a Platinum card which I use for all hotels/flights so that is not something I need for the card.

I’d say probably ~60% of the expanses on this card will be from grocery stores/restaurants.

The three that seem to best fit that I’ve seen are the Amex Blue Cash Preferred (BCP), Amex Gold and Capitol one savior, but I’m open to any card.

I’m not sure if cash back or points are the way to go either. My Platinum card is through Charles Schwab which I can cash out at 1.1x points directly to my Schwab account, but BCP has 6% at grocery stores.

I don’t spend more then 6k a year on groceries (BCP threshold) I am also willing to get more then 1 card if that would be best.

Thanks for taking the time to read, any advice would be much appreciated. :)

Since Discover was bought by Capital One, I've been debating on opening a second credit card. I have a Discover It card and have had it since 2017. I'll keep it but I probably won't use it much anymore. What are some other good rewards cards without annual fees?

Currently, I am a customer of CIBC and TD. I am 20 and am looking to apply for a credit card. If I plan to, say, lease a car and rent a place within the next 3-10 years, is now the best time to apply, or is it too late? I looked at AMEX (this is American however), BMO, RBC, and CIBC and TD Aeroplan. Should I stick with what I have, or open a new account for applying? Should I also open an online bank like Simplii?

How often do you use it?

Hello, looking for assistance on credit card recommendations. Also should I apply for a new credit card before canceling a credit card I don’t want to use anymore?

Current cards: (list cards, limits, opening date) USAA Rewards Card, Visa Signature, $7600 limit, and opened May 2015 American Express Delta Skymiles Gold, $3300 limit, Oct 2020

FICO Score: e.g. 785

Oldest account age: USAA, May 2015 Income: e.g. ~$55,000

Average monthly spend and categories: Mortgage: $1700 Power/Water/Internet: $175 Groceries: $400 Gas: $65 Car Insurance: $170 Phone: $80

Open to Business Cards: No

What's the purpose of your next card? I’d like to not pay the yearly $150 on my American Express card and officially cancel the card as I rarely travel unless for a company paid business trip. I’d like a general card for purchases as my main card, USAA barely gets any points. (1x points on most stuff.)

Do you have any cards you've been looking at? I’ve heard good things about The SavorOne Card from Capital One and wanted to make sure this would be the best card for me? Or any suggestions? I’d like to not have yearly fees at the moment.

Are you OK with category spending or do you want a general spending card? Looking for a general spending card

Simple question- what’s your favorite card (that you actually hold) and why?

I really enjoy the Capital One Venture. C1 has a fantastic app, the rewards post quickly, the card looks nice, and the earning structure is very straight forward. If I could only have 1 card this would probably be it.

Runner-up for me in the “favorite” category would be the Amex Green. Again, the app is wonderful and I just love the nostalgic vibe of such a classic card. Amex customer service has always been top notch for me. Drawbacks are Amex acceptance, and the annual fee is a little steep for my use compared to the value.

Currently I have the following credit cards & credit limits:

• American Express Blue Cash Everyday - $3,000.

• American Express Hilton Honors - $22,000.

• Capital One Quicksilver - $4,000.

• Capital One Savor - $5,000.

• Chase Amazon Prime - $4,200.

• Discover It - $21,500.

• Synchrony Premier MasterCard - $7,000.

Should I use one of these open cards or should I get a new one for the best everyday card? I’m tired of juggling multiple cards and payments.

Looking for best rewards, benefits, fraud alerts, and acceptance rate. Not as worried about APR as plan on paying it off 99% of the time.

I'm thinking of getting a different credit card that will give me the best benefits for my spending categories. I currently use a Venture One card for general everyday spending, but I feel like I could do better. I am married and my wife makes all of the grocery purchases on her card, so I spend very little on groceries. We cook at home and don't eat out very often. We try to take a vacation every year or two to go to Europe and visit family.

• Current cards: (list cards, limits, opening date)

  • Chase Amazon Prime, $8,200, opened ~8 years ago

  • CapitalOne Venture One, $20,000, opened 2 years ago

• FICO Score: 780

• Oldest account age: 9 years

• Income: e.g. $120,000

• Average monthly spend and categories:

  • dining $275

  • groceries: $92

  • gas: $236

  • travel: $192

  • other: $2793

• Open to Business Cards: No

• What's the purpose of your next card? Cashback

• Do you have any cards you've been looking at? No

• Are you OK with category spending or do you want a general spending card? I'm open to any card that fits my spending habits best.

The average monthly spend values above were taken from CapitalOne (went back 1 year and divided each category by 12). I use this card for my normal everyday spending. I only use the Chase Amazon card for Amazon and plan to keep that one.

Please let me know if you have any questions. TIA.

I’m curious what everyone here considers their go to credit card.

Right now I have the Southwest Credit Card and Chase Sapphire, and I’m thinking about adding another to round out my setup.

Whether it’s for travel points, cash back, or underrated perks (like insurance, extended warranty, or lounge access), I’d love to hear which cards are actually worth keeping in your wallet and why.

Always pay in full, excellent credit, and open to ideas. What’s been your favorite card and what makes it stand out?

so right now I have two credit cards. I just opened a capital one savor your card three months ago. I’m pretty sure and I also have a Bank of America cash rewards card. Now I like my Bank of America card more because I get to instantly pay it off. The rewards are not that great though I get 1.5% cashback versus my savior card where I get 3% cashback and other offers, but I don’t like how capital Savor I can’t instantly pay it. I think it’s maybe because I don’t have a debit card with them because I pay it through my Bank of America so that’s a little backstory because I can’t really pay it instantly and I don’t wanna open up a new debit card cause I don’t wanna have a lot of cards. I was gonna see what other cards are people getting now that have at least 3% cashback or 2.5% cashback with no fee. Or if anybody knows how I will be able to instantly pay a credit card off instead of having to wait and let it rack up.

I wanted to get the Amex cobalt but some friends are telling me that the signup bonus is a bit low rn and to wait for an offer.

Is there another card that’s worth it?

For reference I’m in the GTA and spend money on going out and groceries. Could also consider using chexy to pay for my rent.

I already have a Scotia passport infinite for lounge access and foreign travel.

Does anyone have any recommendations for good everyday spender credit cards? I currently have the Chase Freedom Unlimited which is great for dining and the 1.5% on everything but I’m not sure how to feel. Everyone always shoves the basic choices like AMEX, Chase, CapitalOne down your face but are there any other good ones? I am a recent graduate with no debt obligations and currently live at home to save up money so really my only expenses are currently groceries, going out (dining and entertainment category), spending on tech and clothing, and then very few travel (some flights not so much hotels).

On top of this, even if there are any other better options, is it even worth canceling/opening another card?

Appreciate any guidance in advance, thanks!

In your opinion, what is or was the best credit card of all time? Feel free to mention current products or those that no longer exist.

Hey all,

I'm looking to get my first credit card. I've been doing some research to find a good one to open up. I currently bank with Wells Fargo and SECU. I've been told looking at credit cards with your banks first is a good rule of thumb. I want to try and find one that doesn't have a very high interest rate, but I don't plan on spending large amounts on it. I just want to start building my credit through my every day purchases like rent, gas, and groceries. Something with cash back would be nice and I don't do a whole lot of traveling so I'm not interested in anything with miles or points for traveling. I've seen a couple that offers points over cash back, but I'm not sure what they goes towards. Is getting a card that values points worth it if you don't travel a lot?

I would just like a few suggestions for credit cards or tips on how to get started. Any help is appreciated. Thank you!

I (25M) currently have two credit cards - a Discover it Card and a very basic "college rewards" card. I've had these cards for years and they both offer what seem to be fairly basic rewards/cashback programs.

Since I'm now more financially stable and spending more than I did in college, I'm looking to get a new credit card that will offer me more robust rewards and/or cashback. I've read a lot on Reddit and elsewhere about the most popular cards for various types of rewards, but there doesn't seem to be a general consensus on the best all-around card. Instead, it's just lists of the best card for gas, the best card for restaurants, the best card for live entertainment, etc.

While I understand those who are willing to carry around 5+ different credit cards for various purposes, I'm not really looking to do that. I'd prefer a single credit card that offers the best all-around rewards, even if its purpose-specific rates might be lower. (I hope that makes sense - happy to answer any clarifying questions if needed.)

I'm not concerned with APR as I never carry a balance, so that isn't a factor for me. My annual spending on credit cards is probably around $9000-10,000. (Edit: I also thought it might be helpful to mention that my credit score is in the high 700s.)

What would your recommendations be for the best all-around credit card? Or, alternatively, do you think I have the wrong mindset and would I be better suited to sucking it up and carrying half a dozen credit cards with me? I appreciate any feedback - thanks!