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

Current Cards:

•Bank Americard Platinum Plus Mastercard (rarely use, currently 0 balance)

•Unlimited Cash Rewards Visa Signature (really the only card I regularly use for 1.5% cash back)

•Customized Cash Rewards World MasterCard (used for the initial $200 offer, haven't used as much and current 0 balance)

Fico Score: 823

History: 6yr, 6 months

Income: $60,000

Average Monthly Spend:

*Groceries: $800/mo

*Rent: $1250/mo

*Insurance: $500

*Gas: $200

*Internet/Phone: $400

Open to business cards: if it is what’s best

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

Purpose: just to find the best combo to maximize potential. Really have more of an emphasis on cash back, but open to other opportunities.

Want to spark a discussion about what everyone prefers to use for a main card for life’s random expenses. To be more helpful you could provide a brief synopsis of where you are in your credit journey and habits. The goal is to exchange info and hopefully find better products to help maximize your cards.

I’ll go first: My catch-all card is the Apple Card (2% cashback on digital wallets, which is just about everywhere in my area). If I can’t earn more elsewhere I throw it on the Apple Card.

I also use an Amex Gold for dining out and groceries (a surprising amount of places count as such), and a CapitalOne SavorOne (3% cashback) as a backup if they don’t take Amex. Travel it’s a mix of CSR/Amex Platinum/CSP.

Credit is in the mid 800s and never carry a balance. Have a good mix of cards from churning a few years ago. I mostly prefer cashback upfront as don’t travel as much as I used to, or play the points transfer game as much as I ought to.

Not really a fan of the Apple Card, however it works well enough when the merchant category is something random and I wouldn’t get anything extra for using another card. Also no foreign transaction fees which is a plus (studying abroad half the year).

Next addition: a card that beats GS’s Apple Card, something like Citi Double or WF Active (2% cashback always) for everyday purchases; finding a card that does 5% on gas stations. Possibly dropping the Amex Plat (not accepted everywhere, high AF) for a Venture X, or just stick with the two Chase offerings.

Last year, I posted asking for people’s credit card plans for 2023.

How did your plans work out?

For me:

• Amex BBP - it’s been a great earner

• CapOne SavorOne - got denied, then accepted 3 months later and then they raised my credit limit

• Amex Delta Platinum - I got the personal version for a $90K SUB as a churner since I already had the Reserve. But between the companion pass and the 2500 MQDs, it’s worth keeping.

• My wife got both the Amex Delta Gold and the Barclays AA card for free checked bags.

2024 will be light. I won’t be under 5/24 with Chase until near the end of the year and I won’t be eligible for the SUB for the first card I want - the Chase WOH personal until January 2025. That’s 24 months after I got the 60K SUB for the Chase WOH Business.

I only have two cards planned for the year:

• Barclays Hawaiian Airlines Business card - the 70K miles is enough for a round trip for two to Hawaii from the west coast. We will use one of our Delta companion passes to get to a city where they fly from

• Apple Card - just for the 0% interest on some Apple gear.

I’ll probably convince my wife to get the Amex Delta Platinum to replace her Gold for the extra companion pass and the 2500 MQDs. We will be flying less next year and need the boost to keep Silver in 2025.

FWIW: the cards I already had going into this year were:

• Amex Gold

• Amex Green

• Amex Hilton Aspire

• Amex Delta Reserve

• Chase WOH Business

• Barclays AA

Looking to get a cash back card on everything without having to jump thru hoops and or movable categories. Any suggestions.

Edit: I ended up getting the Chase Sapphire Reserve because of the current 75,000 points LTO through Kudos which I heard about from the Ben Hedges videos. Thanks everyone for the recs!

I’m a 29M and travel around the U.S. 4-5 times a year. Most of my spending is on eating out, travel, and groceries. Got a big trip coming up to Europe, so looking to get the most out of my credit card rewards.

Planning to spend about $8k on this trip and will pay it off right away with savings. I spend around $7k a year at restaurants, $6k on travel, and $4-5k on groceries. I always pay off my credit card statement in full every month.

I've read a lot about the Chase Sapphire Reserve and AmEx Platinum. Which one would you recommend, or what's the general consensus on the best travel credit card in 2024?

27F here with annual income of $175,000. For the past year I've been using Capital One Venture X for pretty much all payments - gas, dining, coffee, groceries, Amazon, streaming services, travel etc. - apart from rent. I travel a lot, so overall I've been very satisfied with this credit card.

However, I am wondering if I should come up with a better strategy by getting other credit cards for specific types of payments. I got approved for Bilt today to get some points from rent payments, so this part of my spending is covered. Some information on my spending habits:

- Gas: around $150 monthly

- Restaurants: around $1200 monthly

- Coffee shops: around $100 monthly

- Rent: $1000 monthly

- Internet: $100 monthly

- Streaming services: $100 monthly

- Amazon: depends, but let's assume $200 monthly

- Travel: $500 monthly

- Groceries: $250 monthly

- Entertainment (cinema, theatre, bars etc.): $200 monthly

So, I am paying for all of the above with Capital One Venture X. I will appreciate any advice on how to diversify my credit card strategy!

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)

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. They 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 2023

• Early 2022

• Mid 2021

• Late 2020

I just turned 18 about a week ago and I'm looking for a good credit card to build credit while still getting some benefits. does anyone have any card recommendations? (I'm in the US)

AMEX

Centurion. You did it. You reached the top of the mountain. How does it feel? Was it worth it? You’ve spent millions of dollars each year — enough to support hundreds of impoverished families — to qualify for the privilege of a massive buy-in and annual fee. You could have saved a rainforest, but you didn’t. This card is an awful earner for your millions in spend, but it doesn’t matter. The satisfaction you feel when you tap that black card for a $7 coffee makes quartering your point earn worthwhile. In practice, your Centurion rep is not as talented as your other two corporate assistants.

Platinum. You spend whole days each year trying to “break even” on a $700 card. You probably earn 1x on almost all spending you put on the card. You lie to yourself, claiming that you use Equinox and Walmart+. You probably tell everyone that this is “the most premium card you can apply for,” when really it’s just a huge profit driver for AMEX. You self-justify during the two annual occasions in which you use an overcrowded Centurion Lounge, and purposely book red eyes to avoid the lines. You don’t even get primary auto rental insurance.

Schwab Platinum. Same as above, but you decided to save $200 per year by moving no less than $1.5M into Schwab managed accounts. You tell literally everyone about the 1.1 cpp cashout, even though cashback individuals would almost certainly be better off with other setups. You probably forewent ~70k MR SUB points in order to get the Schwab variant over the vanilla variant.

Morgan Stanley Platinum. Same as above, but you use a brokerage that no one has in their top three. At least you get the first authorized user for free, allowing you to wait in line with family members at Centurion lounges while talking to them about your five-year credit card plan. You probably forewent ~70k MR SUB points in order to get the Morgan Stanley variant over the vanilla variant.

Gold. You agonize over the monthly restaurant credits. You’re constantly trying to remember whether you’ve already used Grubhub this month. For some reason, you call AMEX customer support more than Platinum and Centurion customers. You tell literally everybody about your Gold card, but people just respond by asking whether you’re active duty military or native american. You’re probably just a metrosexual.

Green. You meant to get a Chase Sapphire Reserve, but you got denied. You’ve never impressed anyone with this card, and you never discuss it. Friends ask, “what happened to your Gold card?” You decided to acquire this card to try Clear, but realized the service usually takes just as much time as going through the precheck line at most airports.

Blue Business Plus. You watched 40 credit card Youtubers tell you that it’s alright to put personal spend on a business card. You’re pretty sure that you can, but constantly worry about your next IRS audit. They probably won’t care, right? Right? At least you earn 2x MR points on everything you buy, which is pretty good! Hopefully, other white collar inmates will think you’re cool.

Blue Cash Preferred. You probably have a Chase trifecta but agonized over grocery spend. Welcome to AMEX. The Disney bundle is your first coupon to clip — hope you prefer Captain Marvel over literally every other streaming service. You constantly check whether you are close to hitting your $6000 spending cap for the year, and wonder whether it makes sense to get another grocery card. Your 6% streaming category probably nets you around $6 per year. You use the 3% gas category, even though you can definitely do better.

Blue Cash Everyday. You probably have 10 credit cards. You signed up for this one despite mid-tier gas and grocery rewards, because the effective annual fee was negative. Enjoy Hulu and Home Chef. Although folks frequently discuss the 3% online retail category, you’re probably better off with a flat 2x card like the Blue Business Plus or Venture X.

Everyday Preferred. Not bad for people who use grocery stores thirty times per month, in order to reach the adequate earn rates. What? You only go to the grocery store 8 times per month? No worries! Check out each item individually! If you make it past the fraud alerts and account closures, you’re set! You are also hopelessly single. Sorry, folks with the Chase trifecta — look elsewhere.

BANK OF AMERICA

Customized Cash Rewards. Your favorite pasttime is inventing protracted scenarios to show why your setup is marginally better than someone else's. But you only get to make such a claim for the singular 3% category you can choose, for which you'd earn 5.25% with Platinum Honors. Except people with a Custom Cash and a Rewards+ are laughing you out the building at 5.55%, so what are we even doing here? Let's also remember that a 3-4x MR/UR card might effectively out-earn both. You either need like 3 of these for this to be worthwhile or else the reward for parking you money at no one's favorite bank is a wannabe Custom Cash and underwhelming 3.5% on grocery cards. Pretty good 3.5% on wholesale clubs, though. But go ahead — tell me how much you love Bank of America, a bank that's been contracting since 2008.

Unlimited Cash Rewards. We get it, you earn 2.625% on all spending. It's a pretty good cashback rate. But folks on team travel will tell you that, with a 2x catch-all card, they need a 1.31+ cpp redemption. That's not a tough sell. By the way, I'd say you aren't fun at parties but if you have this card, then you don't go to parties at all. Theres a 90% chance you eventually move your money and switch to a U.S. Bank Altitude Reserve.

Note: Bank of America has three equally underwhelming travel cards. If you have these cards, then (1) your dad added you as an authorized user, (2) you're already collecting from social security, or (3) your trust fund happens to be through Merrill Lynch.

CAPITAL ONE

Quicksilver. This card is probably named for the Marvel superhero "Quicksilver" to commemorate how short this card falls once visible on-screen. Be honest. You hate this card too, but it was your first. You got 14 mailers for the Quicksilver before relenting, because they knew you were too soft too resist. There is no reason to have or use this card, but that doesn't stop Capital One from marketing this as a premium card for people who wear designer clothing; unfortunately, the only premiums here are those that Capital One earns through interest on its subprime creditholders.

Savor. By itself, your card earns mid-tier rewards on grocery and dining. And, while you got it for the 10% Uber benefit, you've come to realize that this benefit was painfully temporary, ike all joy in this world. As a coping mechanism, you recommend this card to literally everyone, regardless of circumstance or usefulness. This card, when paired with the Venture X, is pretty good at earning transferable points. It’s too bad that your transfer partners are primarily overseas airlines that your family would refuse to fly on. See Venture X.

Venture. You got this card accidentally. You meant to get the Venture X. They won’t let you product change. You’re in limbo.

Venture X. 40 credit card Youtubers recommended that you get this card. You tell literally everyone that this card has no flaws. But you’ve always considered putting travel spend on other cards with greater earn rates, giving up your travel insurance. You’ve probably never seen a C1 lounge, nor have you ever used a generic priority pass lounge. You’ve always hated travel portals, but you’ve started telling people they don’t rip you off “that much.” You are totally unfamiliar with most of the transfer partners. You had to google what kind of night show “Accor Live Limitless” was. You’ve never flown Air Canada, nor British Airways, but thought maybe you’d fly with them eventually. For every new loyalty program you join to transfer points, you will receive promotional emails in perpetuity. Perhaps you tell people that it’s super easy and convenient to book qualified United award flights through Turkish Airlines a year in advance, subject to blackout dates. News flash, 26-year old financial guru: it’s not.

CHASE

Freedom Rise. Your older brother suggested you use Chase because he has a checking account there. Congratulations, you just started and you’ve already committed to getting a Chase Trifecta. Don’t spend your $25 SUB all at once.

Freedom. You either forget you owned this card, or you’re a credit card pro. As such, cardholders either purchase $0 or $1500 per quarter — no in between. You value your Costco membership above having a strictly better Flex card introduced by Chase. One day, you will grow tired of fighting Chase to keep this card. Until then, enjoy your quarterly calls to customer service to explain why you do not want to product change. Oh, and cherish the three months a year where Chase doesn’t hang you out to dry for groceries.

Freedom Flex. This card sits in the sock drawer for roughly half the year. For the remaining quarters, you manufacture spending and drain your checking account. This might be the closest thing to an in-person grocery card that Chase has. Hope you didn’t want to use this at Costco.

Freedom Unlimited. You constantly try to cope with the fact that you earn 1.5x as a catch-all, instead of 2x with AMEX, Chase, or Citi. You have 32 paragraphs written out explaining why Hyatt justifies receiving 25% fewer points per dollar, compared to other issuers. You agonize about the 5/24 rule. AMEX friends describe your setup as “tacky,” or “cute.”

Sapphire Preferred. You live in fear of Hyatt being discontinued as a Chase partner. You have no idea how to use the $50 portal credit without overpaying by a similar sum. You have Instacart+ and Pelotan credits but will never use either. You have excellent travel protection but frequently consider putting travel expenses on other cards with better earn rates. You literally cry when someone mentions "buying groceries in-person." You contemplate switching to the AMEX Gold a few times per year.

Sapphire Reserve. You live in fear of Hyatt being discontinued as a Chase partner. You struggle to justify the $250 effective annual fee. You tell AMEX folks that, at least, you don’t have statement credits to work through. But you do — there’s Lyft Pink, DoorDash, Instacart+, and Peloton — but you aren’t aware that you need to use them. You’ve also never used a normal priority pass lounge — your main airports may not even have one. You wish you had an AMEX Platinum every time you pass a Centurion Lounge. But those Sapphire lounges have to be coming soon, right?

J.P. Morgan Reserve. You could have had the substantively similar Sapphire Reserve, but you wanted to one-up your rich friends with the AMEX Centurion. Everyone mistakes this card for the Platinum, and will ask you how much you love the concierge. You won’t be rich for long.

Ritz Carlton. has a a good option for credit card lifers who, oddly, stay at Marriott hotels like 4 times per year. Some credit card YouTuber told you to get this card. Thankfully, it was a good fit; you’re the kind of person who orders off-menu from fast food restaurants. It was discontinued 6-7 years ago, but I’m sure your five year plan to acquire it will work out. At least you gain access to the singular Sapphire lounge — that’ll show those morons with the Bonvoy Brilliant! By the way, your status is pointless within the United States — and if you have this card, you probably think about traveling internationally a lot but never go further than North America. You still don’t understand how the flight credit works.

Marriott Boundless. You are desperately trying to figure out how to turn this into a Ritz Carlton card. It's an alright card for what is likely the best hotel chain. That's a bit like being the "best" type of heart disease. Decent multiplier for Marriott properties, with an annual fee ordinarily justified by the presence of a 35k point free night certificate. But have you ever tried to use one of these? Hope you like listening to domestic abuse next door in your complimentary one-night stay at a TownePlace Suites.

IHG [Anything]. You must like Kimpton enough to justify countless out-of-date resorts, totally devalued points, and a chain that is in no one’s top three. You’ve never heard of Accor live limitless, but you’ll be switching to them in around three years when you’re tired of IHG. Ranked #2 in the world for hotels with Gold and Green curtains — somehow behind Trump Hotels.

World of Hyatt. This car has never seen the outside of your sock drawer, serving only to increase the quality of life during your occassional reward stays. Your loyalty program is overrun by every 25-year old with a Chase trifecta — including you. 90% of Hyatt hotels are identical and depressing. Nicer Hyatts (e.g. Thompson, Andaz) are disproportionately expensive, artificially driving up your perceived redemption rate. You will switch to a cashback setup if Hyatt gets removed from the Chase Trifecta.

Ink [Anything]. You have absolutely no loyalty to anything in life. You churn through credit card issuers like you move through relationships. You outright lie about your revenue or income to the bank. You don’t wonder whether or not personal spend can go on business cards — you’re certain that it may. You get, like, three of these per year for your “resale business.” You tell literally everyone about the Chase 5/24 rule. You are a member of r/churning.

Amazon. This card is fine if you plan to maintain a lifelong addiction to unsustainable warehouse conditions and two-day shipping. Every time you check Amazon, you find fewer and fewer brands you’ve heard of: TASALON stools, TOONOW blankets, and TERLULU silverware. But if you’re into outsourced production and corporate overloads, I guess this is fine.

CITI

Custom Cash. Your credit limit is probably $600, which is fine because you earn 1% on anything above $500 within a category. You log-in almost daily toward the end of the month due to the anxiety of exceeding the cap. You think this card is a good fit for literally everybody. You probably have three of these, just like you probably have three partners you hope don't find out about one another. You also probably have a Chase trifecta, seeking out a grocery or gas card. But you will invariably get sucked into the Citi ecosystem, until horrible customer service experiences or subpar transfer partners drive you away.

Double Cash. You’re a boring person and have absolutely no stand-out features as a human being. Everyone else will recommend that you next get a Custom Cash, then a Premier — advice which you will accept. If you choose another ecosystem, this card will become useless or replaceable. Welcome to Citi, sucker.

Premier. You fell in love with the reward categories, and have a weird fixation on travel portals. You are either a credit card amateur or a credit card professional, depending on whether you took on these transfer partners unknowingly or intentionally. You also have no real travel insurances or priority pass. You google “Citi Strata update 2024” three times per week.

Rewards+. Everyone who has this card was, at one point, a gamer. No idea why. Also for people who want to make a lifelong commitment to Citi bank. It’s like those who get stuck in a bad marriage but decides to renew vows anyway.

Costco Anywhere. Do you wish you could convert more of your liquid cash into gift certificates? You’re in luck. Here, you can accrue rewards all year — in convenient gift certificates instead of inconvenient liquid money. You didn’t realize that you could get 2% (or more) back at Costco with an array of alternative cards. You are literally the most frugal person in the world, but that doesn’t mean you’re good with money. You’ll one day build a survival shelter, probably.

CREDIT ONE

[Anything]. You were probably scammed. You might have the basis for a valid legal claim. Next, I have a bridge to sell you.

DISCOVER

It. You’re 19 years old and probably attend a big state school. Discover hopes that one high-value year is enough to keep you as a customer for life. It won’t be. After opening an It as your first credit card, you will find its usefulness wanes after the first-year cashback match expires. After that, you spend the rest of your life wondering whether it’s a good time to cancel.

U.S. BANK

Cash+. If you have this card, you’re an advanced cashback user. It’s a fine card — 5% back on utilities, internet, TV and streaming. It’s unique categories allow us to overlook the fact that your credit limit is probably $2,000 — and that you’ve been noticing diminishing returns from the credit card game for a long time.

Shopper Cash. Probably not worthwhile, except for a narrow subset of use cases. You probably shop at Walmart, but would be better off getting Walmart+ and calling it a day. Assuming you maximize your 6% categories, you earn $360/year, or $265 after the annual fee. You’ll stop using this card in about two years.

Smartly. Let's pretend for a second that this 4% catch-all card is sustainable once U.S. Bank realizes that people parking funds is not sufficiently revenue generating to justify coughing up this much value. In such a world, these would be strong rewards. But there will be a nerf, and the joke will be on you. And there's a hidden annual fee: the opportunity cost on superior savings or money market rates elsewhere on $100,000 or more. If you walk out of a car dealership and the salesmen high five, you got scammed; well, the U.S. Bank executives haven't stopped clapping since Smartly's release.

Altitude Go. It’s a great starter card for those seeking a secured option to build credit. 4% dining is decent cashback. But you’ll inevitably put this card in the sock drawer once you find a 5% or 3x dining alternative. You’re probably trying to find the right time to cancel.

Altitude Connect. 4% on gas or EV charging is the lone highlight on this card. It's simply outclassed. When you buy cars, you go to Car and Driver and sort from worst to best within a segment. For some reason, I am certain that these cardholders also bank with U.S. Bank.

Altitude Reserve. This unusual card could have made U.S. Bank a powerhouse — but didn’t. You probably got this card before making mobile payment a habit, and you’re not sure whether you’ll stick to it long-term. First, you need to get approved for this card — but probably won’t. Second, you need to settle for no more than 4.5% back on any given category. Third, you can’t pool your U.S. Bank points from other cards for the 1.5 cpp redemptions. Admittedly, it’s sweet to get 1.5 cpp on all travel redemptions, even at brands with low-value loyalty points like Hilton or Marriott. Your new favorite mantra is “do you take Apple Pay?” Your friends and loved ones roll their eyes when you ask that in a crowded bar or sit-down restaurant. They hate when you stop at a gas station, but begin looking for another once you find it does not accept mobile wallet payments. You can’t easily overcome the $60-75 effective annual fee. But you do get to visit underwhelming priority pass lounges up to eight (8) times per year. Maybe that’s enough!

WELLS FARGO

Autograph. So you applied for a middle-of-the-pack cashback card with the hopes of unlocking forthcoming transfer partners? Keep waiting. You listen intently when they tell you that these delays are to “get things right,” when obviously these delays were sparked by disarray to mitigate an underwhelming release. You wish you had the Chase trifecta. Your credit limit is probably $2,500.

Active Cash. You’re naive and impatient. You signed onto the first 2% card you heard about. You probably shop at Costco. You wait desperately for the transfer partners, which are delayed about as often as the Tesla Cybertruck. You live in denial with the belief that these partners will include American or Hyatt — when you’ll be lucky if they rival Citi.

Bilt Mastercard. You rent, and will never be able to afford a mortgage. Especially because you’re apparently allergic to SUBs. You’re certainly under the age of 32. This is essentially a Chase Sapphire Preferred with no ecosystem. You manufacture 40% of your monthly spend to occur on Rent Day. You live in fear of the “nerf,” or of Bilt declaring bankruptcy. You probably fly American Airlines and constantly check whether others have added it as a transfer partner. Your credit limit is probably $2,500.

REDSTONE FCU

Signature. You are from the northeast, yet pilfered this local credit union for its credit card offering. Sorry, credit lifers — you can no longer get this card if you live outside of TN and AL. For those who already have it, I hope you feel good about yourselves. You joined some weird organization you’ve never heard of, just so you could schedule a Skype call with a nice, elderly staff member. You then lied straight to the face of this sweet old southern lady. Yes, you were very interested in Redstone's other financial offerings. Of course, you wanted to open that checking account. And you just happened to have a natural fondness for credit unions and southern charm. For your dishonesty, you are condemned to the most confusing portal of any credit card issuer, finding that your points oddly double then halve themselves. It might be the least convenient cashback card on the market. You recommend this card to literally everyone, mostly to remind them that you have it. You live in constant fear of nerfs.

BREAD FINANCIAL (FKA COMENITY)

AAA Daily Advantage. The categories are great. The rewards are great. The app is trash, and the customer service is worse. You’re almost better off getting paper notices. Rebranding can evade reputation for some, but the rest of us remember when Comenity ruined everyone’s credit scores for months. If you’re thinking about taking the plunge, you almost certainly have a Chase Trifecta or a young cashback setup. You frequently wonder whether it’s worthwhile to eat the annual fee and switch to the AMEX Blue Cash Preferred.

AAA Travel Advantage. For most people, this is a poorer card than the Daily Advantage, but it has good categories and rewards. The customer service and app are woefully underwhelming. If you get this card, I just assume you drive an ICE Hummer or super-duty pickup. You’re almost certainly on team cashback, and have about 6 cards that you don’t use.

[Anything]. Enjoy your store card, prick. You were definitely misled by some retail worker. Hopefully, that Bed, Bath & Beyond or Victoria’s Secret card was a good investment for you. People just organically assume that you have credit card debt.

SYNCHRONY

PayPal. You’re middle-aged, and have no idea what Venmo is. The rewards structure is decent, but you likely impulse applied for this card too quickly to consider whether it was the best choice.

Venmo. You're at most 24 years old and, for some reason, are always hanging with the boys. Your favorite alcohol is beer. You get 3% on one category and 2% on another — so it's basically a worse version of a BOA CCR and so many other cards. But if you want this card to be even more useless, you can turn your cashback into Crypto. Just watch those rewards exhaust themselves!

Sam’s Club. Pretty decent for Sam’s Club and gas purchases, with a slightly more flexible rewards structure than Costco. But your off-brand Costco card is unlikely to make up for the fact that you brought discount flowers to your first date, or refused to tip the staff at your wedding venue. Like the Costco card, I sure hope you value store credit just as highly as liquid money.

Verizon. Do you value “Verizon Dollars,” more than liquid money? This is the only card earning this patented currency on the entire market! Good earning structure, though. I’d warn you about Synchrony’s customer service, but you have Verizon — you’re used to it.

[Anything]. Enjoy your store card, prick. You were definitely misled by some retail worker at Mattress Firm or American Eagle. People just organically assume that you have credit card debt.

FIRST NATIONAL BANK OF OMAHA

Amtrak. Underrated card with solid point earn and solid 2.5 cpp redemptions for those alone the Northeast Regional line. Did you make the mistake of living elsewhere, in a country which woefully underfunds rail transport? It's not for you. Glad you can redeem for aspirational experiences like a coach seat on a 90 minute train where you're immediately treated like a second-class citizen by staff.

LUXURY CARDS

[Anything]. You are either insufferable or gullible. You enter a liquor store and buy the most expensive bottle — with zero understanding if its the best. You buy cars for over MSRP. You probably speculate in real estate on the side. You post in r/personalfinance about your struggles to make ends meet with a $150,000 income. You have a serious gambling problem.

GOLDMAN SACHS

Apple Card. You're reading this on your iPhone 16 Pro Max. You kept reminding your friends that the new one "has titanium, bro." You got the credit card for the same reason. You purchased the most premium feeling card, just to upload it into an Apple Wallet and throw it into a sock drawer. You have, at most, two credit cards. You get 2% on almost all Apple Pay, which is almost as good as a 2% catch-all card. You also tell people about the 4% savings account, when anyone could access higher yields elsewhere. Goldman Sachs is backing out of this deal just as fast as the users who made the mistake of procuring one.

I’d love to hate on more card offerings. Anyone have suggestions?

EDIT: Can't believe this became the #1 post on our sub-Reddit. That's awesome. Thank you for the support, everyone!

I still haven't gotten over the Sapphire Reserve's after all these years.

I have to pay some large medical bills (over $3k) and was hoping some cash back would lessen the sting. I'm specifically looking for cash back on a $0 annual fee, preferably real cash (not just statement credit or gift card). I've already got Sapphire and AMEX so recommendations for something else (citi, boa, etc) would be appreciated!

What were your overall savings by way of Points/Cashback etc for the entire year on that one & all your Credit Cards combined? - just curious?

I have been looking through all my cards and have come to the below conclusion to put in my wallet. Let me know if there is something else I might add and for what reason:

Amex BCP- For 6% on Groceries and Disney.

Cap1 Savor- For 3% restaurants and 10% Uber.

Sofi -For other categories to get 2% back.

Citi Custom Cash- To get 5% on airfares once a month.

Any other ideas? OR what's in your Wallet?

Hey guys, so I just recently graduated from college and got a job. With that, I wanted to upgrade my credit card from a Chase Freedom Student to a different card. I've been trying to do some research but am completely lost. I have a good credit score and am pretty smart with my finances. Anybody have recommendations on some good intermediate level credit cards? Thanks!

In March of last year I finally bit the bullet after being told for years that credit cards are horrible and got the Capital One Savor One card. Nine months into having the account I got a credit increase from $300 to $600 this past Fall. Now that I’ve had it for a while I think I’m ready to add another one to my wallet. I don’t travel much at all considering I’m physically disabled so I don’t think travel focus cards are right for me right now. Any recommendations by any chance?