This version is out-of-date, here's the latest version of the flowchart.

Venture X

Savor One

Bilt

nasdaq.com › articles › reddits-top-credit-card-goals-for-2023

Venture X

SavorOne

Amex Gold

The question is what to do once Capital One’s partnership with Uber ends in November 2024.

Nasdaq

Reddit's Top Credit Card Goals for 2023 | Nasdaq

No matter what goals you set for yourself (and your cards) in 2023, make sure you stick to them. It can be easy to forget your desire to avoid new cards, for example, when issuers are constantly coming out with bigger and better perks and rewards. But credit is about nothing if not discipline. So let us all try to stay steadfast and disciplined so we can achieve our goals this year. Our experts vetted the most popular offers to land on the select picks that are worthy of a spot in your wallet. These best-in-class cards pack in rich perks, such as big sign-up bonuses, long 0% intro APR offers, and robust rewards.

reddit.com › r/creditcards › what are your main ccs for 2023?

r/CreditCards on Reddit: What are your main CCs for 2023?

December 12, 2021 -

Mine are AMEX Gold, AMZN Visa, Apple Card.

reddit.com › r/churning › what card should i get? weekly thread - week of august 02, 2023

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I am considering closing my amex gold and moving my primary spend back to my chase trifecta. I recently paid a large dinner (>$500) with the gold and amex did not count it as a restaurant. I never had the same issue at that restaurant with chase. I've already called their MR team and am waiting for a response from them. Will probably end up opening an aspire and transferring all MR to Hilton.

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Top 2 are Venture X, and Savor.

Then supplemental cards that get 5% in certain categories like Cap1 Wal-Mart, Chase Amazon Visa, and DiscoverIt.

r/churning on Reddit: What Card Should I Get? Weekly Thread - Week of August 02, 2023

June 18, 2021 -

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.

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.
What is your credit score?
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.
How much natural spend can you put on a new card(s) in 3 months?
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.
Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.
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?
Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?
What point/miles do you currently have?
What is the airport you're flying out of?
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)

reddit.com › r/creditcards › credit card suggestions 2023

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Hey all, I'm trying to decide on my next card, frankly I don't have many. My wife also has the Chase Sapphire Reserve so regarding Chase points/redeeming I'm able to transfer to her. I have a conference trip coming up that will be covered and will involve 6 hotel nights stay, i.e wondering if I should get a hotel card or go for something more traditional since I'll hit the SUB quick

Recommended to get the Chase Preferred (currently 5 years out from having it downgraded to a regular Sapphire)
770-780
Chase Sapphire (Previously CSP from 08/18), Chase Unlimited (2019), Chase Freedom Flex (08/21), Amex Gold (07/23)
Naturally about 3-4k but as mentioned above I have a conference, flights and 6 nights hotel stay coming up so it will be easy
Not willing to MS
No business cards
I'm probably looking to get 2 or 3 more cards, don't think I'll be a heavy churner
Targeting points primarily for travel use but could go for hotel stays as well secondarily
I have roughly 250k UR, and just waiting on SUB for Amex to hit (75k)
Airport varies, probably LAX the most
Traveling targeting Spain, Portugal, Tokyo in near future

Thank you!

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Which Marriott Card should I get?

I'm eligible for anything since I've closed all the ones I've had well over 30 days ago and my last bonus was well over 24 months ago.

I've had:

Amex SPG -> Bonvoy
Amex SPG Biz --> Bonvoy Biz
Amex SPG Lux --> Bonvoy Brilliant

No Chase Marriotts or the new Amex Bevy. At 3/24 and about out of personal Marriott cards in my wishlist. So, the contenders are the Bold, Boundless, Bountiful, or Bevy. I do have 4 guaranteed nights at Marriott properties though December and can probably get two more by Jan, so the extra 50K for 6 paid nights is a draw. That said, our travel isn't super loyal to a brand, so not sure if I could make that offer work again in the future, and would want to get the most return (Bevy).

Bevy Pros:

Since I'd be locked out for 24 months, I'd rather get the most points in the Bevy's 125+50k for $5k than the better bang for the buck Bold's 100k for $1k.
Have Marriott spend to do now, so an instant card number would be nice.

Chase Pros:

A goal would be to get the Ritz, so do want to get a Chase Marriott card some point soon to get that 12 month clock ticking.

What are other reasons to get the Bold or Boundless over the Bevy?

r/CreditCards on Reddit: Credit Card Suggestions 2023

December 25, 2022 -

Currently have three credit cards in rotation.

Chase Freedom Unlimited
AmEx Blue Cash Everyday
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.

Chase ultimate rewards points are probably the most valuable point in the CC system especially for travel. I think Amex should be the next most valuable. I honestly don't know much about BOA rewards/points I would def prioritize CSP first then decide between gold or boa card

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The way to find out would be to call or stop by a B of A branch. I know IRAs and Roth IRAs count, but I don’t know about 401k accounts. Even if you don’t plan on using it, you’ll need to open a checking account at Bank of America in order to qualify for Preferred Rewards. For that reason I’d maybe lean towards stopping by a branch. Then after three months you’ll get your Plat Honors status assuming your 401k qualifies. You can work on the signup bonus on the Premium Rewards credit card in the mean time.

reddit.com › r/creditcards › what’s in your wallet in april of 2023?

r/CreditCards on Reddit: What’s in your wallet in April of 2023?

August 15, 2022 -

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!

Amazon card for Amazon. Verizon card for 4% grocery and gas, freedom flex for rotating, cap one venture x for 2% everything else. Amex plat for lounge access.

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Was recently approved for the Venture X so I'm currently rocking that and the SavorOne. Really liking it so far as it covers a lot of different useful categories for me and I'm planning on doing a lot of traveling this and next year.

reddit.com › r › CreditCards › comments › 16f3ajv › which_premium_credit_card_would_you_get_in_2023

Which premium credit card would you get in 2023?

November 4, 2022 - A subreddit for discussing credit cards.

reddit.com › r/creditcards › best cash back credit cards. go!

r/CreditCards on Reddit: Best cash back credit cards. GO!

July 7, 2023 -

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!

If you want cash back then skip Chase Sapphire entirely. The multipliers are poor and the only way to justify it is through travel. The best cash back strategy is to have a good catch all card and as many 5% cards as you can get. For your catch all card you want something that gives you 2% or more on everything: Wells Fargo Active Cash, Citi Double Cash, PayPal Mastercard, etc. To get more than 2% you'll have to jump a few hoops such as opening up a credit union or bank account or transferring your investment portfolio to BOA. The major 5% cards you should be looking at include Citi Custom Cash, US Bank Cash+, Discover It Cash Back, and Chase Freedom Flex. You can also look at cards from smaller lenders like AAA Daily Advantage Visa and the Sam's Club Mastercard. The US Bank Altitude Go could be worthwhile because 4% on dining is hard to find.

Theres actually a whole table that shows off cash back cards in the sidebar of the subreddit. That said: Anything category card if you can meet the max cash back for a given quarter (Discover started hiding their cash back categories, CFF did this anyway) Wells Fargo Active Cash - 2% on any purchase CFU - 1.5% on any purchase, 3% on dining and drugstores

Find elsewhere

Google Bing Mojeek

reddit.com › r › CreditCards

Credit Cards

September 14, 2008 - Both cards offer: Rental car insurance, trip delay protection, no foreign transaction fees. Many transfer partners — UA and Hyatt are solid options ... $10/month DoorDash credit (can't be used at restaurants, but works at convenience stores like 7-Eleven for pickup)

reddit.com › r/creditcards › in your opinion, what is the best credit card ecosystem and why?

r/CreditCards on Reddit: In your opinion, what is the best credit card ecosystem and why?

November 4, 2023 -

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

I'm just gonna go out their and say Capital One. Simplicity and a worthwhile portal matter. First, Venture X and Savor(one) make an excellent duo. No need for 3 cards. Is perfect for those phone wallets that only hold 3 cards (ID, VX and Savor). Secondly. Captial One portal is good. You don't really need to bother and price check other sites because it's the lowest price 99% of the time. What does it matter if chase gives you 25% point boost for portal travel when the flights are 30% more? 8% on portal entertainment is also pretty unmatched. All for -$5-$90 annual fee

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This question gets posted pretty regularly and the answer is always "there is no best and it depends on your lifestyle, spend habits, goals, and tolerance for managing credit cards." Yes, you noted "in your opinion," but everyone's opinion on cards is based on...yep, you guessed it...their lifestyle, spend habits, goals, and tolerance for managing credit cards. Anyway...moving on from the necessary preamble, my personal preference right now is Amex. That's because I'm relatively young, have a relatively high income, live in a major metro area, have no kids, like to travel (pretty frequently), and get a lot of benefit from the card credits & benefits. That's a pretty specific lifestyle that lends itself well to Amex's value proposition. My core lineup is: Platinum: airfare, retail items I want strong protections on, FHR/THC hotel bookings Biz Gold: gas, dining Got this for the 150k MR SUB a few weeks ago, not sure if I'll keep it after 1 year Blue Cash Preferred: groceries, streaming, transit Will likely cancel this after the 1 year mark Blue Business Plus: 2x catch-all Bonvoy Business: Marriott bookings only, 7% off standard room rates, free night award, +15 elite night credits Delta Gold Biz: 15% off award bookings, free checked bag, priority boarding Changes I plan to make next year: Cancel the BCP and add the personal Gold for dining & grocery Use the Biz Gold for gas & transit (instead of gas & dining) Cancel the Delta Gold Biz and add the Delta Reserve Biz to aid in getting Delta status Add the Bonvoy Brilliant to get Platinum status, free night award, and +25 elite night credits to pair with the Bonvoy Biz and get to Titanium status Note that I travel at least once a month on Delta and stay in exclusively Marriott properties.

reddit.com › r/creditcards › what are your credit card goals for 2023?

r/CreditCards on Reddit: What are your credit card goals for 2023?

January 20, 2022 -

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.

reddit.com › r/creditcards › which credit cards do you have & why ??

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211

Get enough points to get a round trip to japan in 2024!

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164

Pay off all my debt and hopefully reach 700 by the end of the year

r/CreditCards on Reddit: Which credit cards do you have & why ??

April 26, 2023 -

🤔

• Citi Custom Cash (1): Restaurants 5% cash back • Citi Custom Cash (2): Restaurants 5% cash back • Citi Custom Cash (3): Groceries 5% cash back • US Bank Cash + (1): Utilities 5% cash back • US Bank Cash + (2): Internet/Streaming and Gyms 5% cash back • US Bank Cash + (3): Electronics and Furniture Stores 5% cash back • US Bank Kroger Mastercard: 5% cash back on mobile wallet purchases and Kroger Pay • Ducks Unlimited: Gas and sporting goods stores 5% cash back (grandfathered in) • Sofi Mastercard 3%: Cash back on everything else (drops to 2% after April 2024) • PayPal Mastercard 3% cash back on PayPal • American Express Business Cash 2% cash back. I use this card when purchasing something I want the extra year warranty and purchase protection on • Capital One Walmart MasterCard: Groceries pickup/delivery and Walmart.com 5% cash back • Sam's MasterCard: Sam's purchases 5% cash back (Plus Member, I use this to pay my membership fees) • Amazon Visa 5% cash back on Amazon.com • Lowes Store card 5% off at time of purchase • Target 5% Mastercard off at time of purchase • Home Depot Store Card: I rarely use this unless if I am wanting to take advantage of a no interest deal, but benefits worth mentioning are 12 months to return items, and automatic no interest for 6 months on anything $299+ • Capital One Quick Silver: Capital One Travel Portal 5% cash back • Wells Fargo Autograph: Travel 3% cash back - We spend between $500 - $750 a month on restaurants so that's why we have 2 CCCs specifically for that. One is under my wife, the other under me. - We do most of our grocery shopping at Walmart, we probably spend around $500 a month there and $100 at our local grocery store, so the 3rd CCC if we are going to have a big spend on some other category like home improvement for example, we will use it for that instead. - We spend between $500 - $600 on utilities a month, so the US Bank Cash + card is definitely nice for that and then we spend around $200 in steaming on the other Cash + card. Our cell phone bill used to be on that one as well but AT&T isnt giving as high of discount for using credit cards now vs ACH so we stopped using US Bank Cash + for AT&T. - Gas we spend around $350 a month - Sofi, I went with this 2% cash back card because of the bonus of the extra % and there is no waiting to redeem rewards, I can redeem at any redemption dollar anytime straight to my Sofi banking account. If someone accepts mobile wallets I use the Kroger card instead to get 5% cash back if it doesnt fit in my other 5% spending card setup. - Sams the spending is various but we use the cash back to pay for the membership fee every year - Amazon, we use Amazon a lot as well so that card is definitely worth it - My other store cards and various cards I got through out the years of going crazy with the credit card game. They get used but not as often as all of the others that I called out above. All of my cards though are no AF so why not keep them and save a few dollars when I can?

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Discover It: first credit card. Great customer service and great card for the first year ( cashback match ) CFF: Paired with my Discover It I can get 5% on multiple categories, love the phone protection, and I get into the chase ecosystem. Apple Card: I like apple products, wanted the HYSA at 4.15% combined with 2% cashback is pretty dope, a lot of family members use my card for financing apple products themselves. CSP: Traveling 4-6 times a year now. So, experimenting with travel partners for first time, great for all my streaming services, I actually order groceries online, and planning a honeymoon trip (I have around 200K UR points). Next cards: Might get the chase ink business unlimited card to keep myself at 4/24 but get a juicy SUB and my catch all card.

reddit.com › r/creditcards › what is the best credit card order?

r/CreditCards on Reddit: What is the BEST credit card order?

May 31, 2024 -

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?

It’s generally wise to prioritize Chase and capital one early on.

There is no "best" since it will vary from person to person based on their profile and spend. What is best for me won't necessarily be best for you or the next person.

Johnny Jet

johnnyjet.com › home › is there a best credit cards subreddit?

Is There A Best Credit Cards Subreddit? -

July 17, 2025 - There isn’t a specific subreddit that solely focuses on the best credit cards. But, you can find plenty of advice in the Credit Cards and Personal Finance subreddits. Below are some of the credit card questions other Reddit users have asked.

reddit.com › r/creditcards › which is your best credit card of the year 2024 ( so far ) and why?

r/CreditCards on Reddit: Which is your Best Credit Card of the year 2024 ( so far ) and why?

July 24, 2024 -

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

The CFF hands down. I started at the end of 2023, but so far I've earned 9% Grocery, 9% Gas, 7% Dining, & 5% Entertainment I thought that it would be comparable to the Discover It, but it has been way better in my experience, including the SUB, & also the way that Chase has stronger "side categories" per quarter

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The limited John Cena edition of the WWE-cobranded Credit One card is unquestionably the best credit card of 2024. And 2025.

FinMasters

finmasters.com › home › unveiling 6 best credit cards reddit users love most

Unveiling 6 Best Credit Cards Reddit Users Love Most

March 18, 2024 - As the Redditor’s review notes, Discover keeps fees low, charging no annual fee for its cards, and has strong customer support. It’s also easy to qualify for the card, with no credit score required to apply.

reddit.com › r/churning › credit card recommendation flowchart: march 2023

r/churning on Reddit: Credit Card Recommendation Flowchart: March 2023

February 24, 2023 -

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

Summary of changes from last time: Added newly released cards: IHG Biz, US Bank Biz Altitude Connect, Wells Fargo Autograph. Added a "Notes for Marriott Cards" section, since navigating the complicated rules there is tricky. I outlined two possible paths to consider. Removed Citi TYP Biz card, since reports are that that isn't an option anymore. Moved Hyatt card down the priority list, since the bonus has been so bad for years now :( The flowchart is intended to be current bonus agnostic, but when a card has had such a crappy bonus for years it deserves the ax... I left it in the list though since it can still be a good keeper card for some. Added US Online Retail as 3% for Amex BCE. Few rewordings for clarity. Apparently Firefox has changed their text-kerning sometime in the last year, so bunch of text-boxes were overflowing :/ I resized everything and made sure it renders well in Firefox in addition to other browsers. This does unfortunately mean that some boxes have extra empty-space on other browsers, but such is life... Things I thought about but did NOT include: Add Cap1 Venture X Business card to the flowchart. Will add once it's possible to apply without a "Relationship Manager". Add Chase Ink Premier to the flowchart. Useless card if you want travel rewards, since the points you earn cannot be transferred to travel partners nor other Chase UR cards. And even if you want cash-back, the $195 non-waived AF eats into the bonus quite a bit -- other Ink cards are likely better. There may be some rare cases where this card makes sense to churners, especially if you can meet the MSR with $5k+ purchases (for 2.5% back), but I didn't think it was worth explaining the annoyance of this not actually earning proper URs.

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Finally, another new thread for newbs to not read.

reddit.com › r/creditcards › what’s your favorite card?

r/CreditCards on Reddit: What’s Your Favorite Card?

July 29, 2023 -

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.

Chase sapphire preferred. Cheap annual with primary car rental insurance and $50 hotel credit. 25% more bonus for points is great too.

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Amex BCP. Groceries are my highest spend. Multipliers on streaming and gas are nice, as well as the purchase protection, return protection and extended warranty it provides.

reddit.com › r/creditcards › the best credit card of all time?

r/CreditCards on Reddit: The best credit card of all time?

June 29, 2023 -

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.