Mine are AMEX Gold, AMZN Visa, Apple Card.

Welcome to the What Card Should I Get Weekly Thread, where we try to figure out what card you should get or critique your current plans or AOR if you're doing it that way). Everything is YMMV and these are all opinions. Agree or disagree with your votes. As always read the wiki, do your research, and happy churning.

Also, check out the Credit Card Recommendation Flowchart before posting in this thread.

1. The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.

2. What is your credit score?

3. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

4. How much natural spend can you put on a new card(s) in 3 months?

5. Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

6. Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

7. How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

8. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

9. What point/miles do you currently have?

10. What is the airport you're flying out of?

11. Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

Now that 2023 is coming to a close, I am always curious to see what returns I generated from the credit cards that I have. My top 3 most valuable return cards were: PayPal MC, Citi Costco Visa, Target RedCard.

What were your top return cards in 2023?

CREDIT PROFILE

• * Current credit cards you are the primary account holder of:

  • Discover it Cash Back, $2.1k limit, 04/2018

  • CFU, $4k limit, 1/2019

  • CSP, $16.7k limit, 2/2019

  • Chase Amazon Rewards, $16.7k limit, 07/2022

• * FICO Scores with source (see note on FICO score sources below):

  • Discover 783, Chase 755

• * Oldest credit card account age with you as primary name on the account: (example: 3 years - do NOT include cards you are an authorized user on)

  • Discover 4.5 years (opened 04/2018)

• * Number of personal credit cards approved for in the past 6 months:

  • 1

• * Number of personal credit cards approved for in the past 12 months:

  • 1

• * Number of personal credit cards approved for in the past 24 months:

  • 1

• * Annual income $: (Approximations are fine. Accuracy is most important if your income is under $20k. See what counts as income below.)

  • $120k

CATEGORIES

• * OK with category-specific cards?: (Answer YES if you're OK using one card for 3% back on groceries and another for 4% on dining)

  • YES

• * OK with rotating category cards?: (Answer YES if you're OK using a card that has different bonus categories each quarter, e.g. 5% on gas from Jan - March, then 5% on groceries April - June)

  • YES

• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

  • * Dining $: $500

  • * Groceries $: (If you buy your groceries at Walmart, Target, Costco, Sam's or other wholesale clubs, it's important that you list these amounts separately.)

    • Whole Foods: $100

    • Trader Joe's: $50

    • Target: $50

    • Costco: $20

  • * Travel $: (Break it down as much as possible: spend on flights, hotels, Airbnb, car rentals, trains, Lyft/Uber. If you have an annual travel budget, divide by 12 for monthly average.)

    • Flights: $300

    • Lyft/Uber: $30

    • Trains: $40

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: Yes

• * Current member of Costco or Sam's Club? Costco

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)

  • Going to be traveling a decent amount this year (2 international trips to Japan and Europe and 4 domestic). I don't have status with any airline nor do I have lounge access, but SO has AMEX platinum and we both already have TSA precheck.

• * Do you have any cards you've been looking at?

  • I rent in a HCOL city, so the Bilt credit card has been enticing because of high rent. My CSP is due to renew next month and I want to decide if I should keep it or upgrade to CSR. (I think the timeframe to double dip on signup bonus was 48 months?)

Few may disagree but my vote is for US Bank Cash+ Visa Signature... Generous Bonus & best rewards... take a look ...

https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html

Currently have three credit cards in rotation.

1. Chase Freedom Unlimited

2. AmEx Blue Cash Everyday

3. Amazon Prime for 5% Cash back

With an Experian score of 811.

Planning on applying for Chase Sapphire Preferred for the 90k SUB in April and I’m also interested in the AmEx Gold for their travel redemptions. However, I recently stumbled on Bank of Americas Preferred Rewards program and wondering if getting one of there cards would be more beneficial. I don’t have an account with Bofa but I do have my 401k with Merril Lynch. Does that qualify and would it make sense to reconsider some of my next cards? I only want to apply for two cards this year so that my credit history doesn’t take such a big hit since it will approximately drop 2 years bringing me down to 3 years of average credit history.

If Merril Lynch account qualifies I would be under the Platinum honors tier which to my understanding has a 75% rewards bonus based on the eligible cards. Mainly interested in redeeming for travel but if the cash back makes sense I could always cash out and just buy my own travel. Thanks for the advice.

I have all my cards in my wallet, but I mainly am using my:

• DiscoverIt Cash back - for the 5% back categories ,

• PayPal MC as of now,

• SavorOne for dining and soon my -

• BofA Custom Cash Rewards 2% back unlimited and 3% on selective 3% categories

• BofA Unlimited Cash Rewards 2.5% back on purchases

My BofA cards have both a $200 signup bonus and I plan on spending both 1K to meet up that requirement by spending 350 a month. While I am planning on getting a few more cash back cards and then waiting 24 months to get below 5/24? I plan to close down 2 Card accounts that I do not need nor give benefits that are in my wallet before doing so. I have never had a chase card so I cannot wait until the start and end of those 24months!

I'm looking for a credit card that has better cash back than my current ones. I don't really care for the travel points or anything like that. Just strictly cash back. I've heard chase sapphire is good and discover it, but I'm wondering what you all have found to be the best. Thanks!

Are you loyal to one, more than one, or none?

What was your credit card orders and at what time points did you get them? And why? Also, if you go back in time, would you do it differently?

Mine are no more credit cards lol. I have a bunch now and a good set of categories covered. I might even let 2 of my sock drawer cards close.

This version is out-of-date, here's the latest version of the flowchart.

This is the latest installment of the CC recommendation flowchart, originally created by u/kevlarlover years ago to answer most of the questions repeated week after week in the "What Card Should I Get?" weekly thread. It is primarily geared towards helping newer churners, though it could still be a useful reference for experienced churners too. I've outlined the major changes in a comment attached to this post.

• HTML always pointing to the latest flowchart version -- you can bookmark this link and keep using it, I'll update it with newer versions as they are released

• HTML of this flowchart version

• Images of this flowchart version: Imgur, Imgbb and PostImage. All three are the same, but some users have reported some of these sites working better than others on certain devices -- try each and see which works best for you.

Device/Browser compability: The HTML version works well in Chrome, Firefox, Safari and Edge. In legacy Internet Explorer, the text-spacing is way off. It also sometimes doesn't show well on mobile (switching to landscape seems to help on iPhones, and on Android click the right-most button in the upper-left and then it'll let you pinch-to-zoom). In both cases, you can also use the image-version as a fallback.

The flowchart is meant as a general (and subjective) guide, not absolute truth. Please thoroughly read the "Limitations of this Flowchart" section.

This flowchart is also not a replacement for reading the wiki and the other excellent guides in the sidebar, though it does attempt to distill the most important and oft-asked topics concerning credit card recommendations and application strategies.

I will update the flowchart in this post occasionally (either by editing this post, or by creating a new post for major updates), as new cards enter the market and old ones are discontinued, but the flowchart will not be updated to reflect every temporarily increased sign-up bonus.

Please feel free to send me corrections, improvements, hate-mail, etc., either in the comments or via PM to u/m16p.

For reference, here's the previous three versions of the flowchart:

• Early 2022

• Mid 2021

• Late 2020

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.

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.