What's your favorite credit card for cash back, no interest introductory periods, and other incentives?
Just wondering what are the best credit cards overall on the market right now? Are there any sleepers that most people don’t know about?
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?
Here’s some info on my lifestyle:
26yo male in US
Tend to be very frugal
Make around 60k a year but don’t have debt (have savings+retirement, always have some extra money every month)
I fly 6+ times a year, usually cheapest tickets I can find, rarely use hotels or rentals
Don’t eat out very often
Looking to improve my credit (745) and save money on stuff I already buy esp travel
I’ve never had a credit card and don’t know anything except the very basics
I currently have four credit cards through Chase - Sapphire Preferred, Freedom, Freedom Unlimited, and Freedom Flex. I got most of them at times when I was broke and had large unexpected expenses arose and I didn’t have the funds on hand.
I’m looking to expand my portfolio but need some suggestions as far as rewards. My fiancée and I travel pretty often, so a travel card would be nice, but I’ve seen a lot of people say the Sapphire Preferred is a good travel card. I don’t spend a whole lot of money on anything other than bills, groceries, pets, and occasionally eating out. I don’t do a whole lot of shopping, online or otherwise.
So my question is - what are your favorite credit cards for the best rewards all around? I’m considering the Amex BCE or BCP, but would love to hear some other suggestions/options.
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.
Amex Gold because I got a retention bonus — 20,000 points with $2,000 spend in three months.
And that was it. The max limit. 5. What would you have & why.?
Curious on how others here in this Reddit would go about it. And why they chose their picks. If you had a limit of 5. How would you go about it.?
Everyone’s lifestyle is different. I imagine most have way more than seven cards. And are doing perfectly fine. Nothing wrong with that. Itemizing is a good thing. I’ve just been pondering. Reason for the thread.
Anyway. As for me. I was talking to a colleague. She only has 1 card. Chase Sapphire. And is perfectly fine & content with keeping it that way. Which had me think, yeah. I can see that. After the convo we had. I’m also not interested in separating the purchases I make any more than I already am. lol
Although, me having a few different checking & saving accounts did make sense to her after explaining how I like things to be separate when it comes to my direct deposits. Also don’t want to have all my money tied up with one particular institution. Like having the additional flexibility.
Discourse is a beautiful thing. Long as you are willing to listen to understand other views rather than listening only to reply. I admired her simplicity. Thought I like to keep it simple. But damn, talk about free as a bird. Couldn’t imagine being with just 1 bank. 1 credit card/checking/saving account etc. but. Matches her personality. Happy, carefree & uncluttered.
I have to remind myself as I’m always reading. Browsing different forums. Articles. Subs. The things you read. Especially on the Web/Reddit involving credit cards. Let alone finance. Even though it’s a booming active place for discussion. It Is still the vocal minority in the grand scheme of things. A lot of folk aren’t interested in optimization. More concerned with ease. Less complication. Fewer moving parts. And theres nothing wrong with that.
Anyway. TLDR;
I also Never really Been% optimizing or concerned with using more than what I have currently & that’s been good enough for me. Not interested in maximizing or shuffling of cards any deeper. lol.
Amex Platinum- Although some years I can see me downgrading, having the Gold & not really caring either way. Would be a lighter AF as well.
Amex BCP- gas,groceries
Fidelity 2%- Odd purchases. Brokerage,IRA,CMA is also with them.
USAA Amex- Rarely gets used, once every other month at best. Keep it mainly due to how long I had it. Also, my checking/saving/insuranceis with them.
Local FCU reward card- My in person banking. If I need to do anything that requires that.
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!
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
I am starting to plan out some travel for next year and I want to get the best card that can help me save a bit. I will be taking 2 or 3 international trips and a couple of local ones so I want something with good travel perks and points. I am okay with an annual fee if it actually gives value back. I am not super loyal to any airline or hotel so flexibility matters to me. I tried looking at a few blogs and comparison videos but everyone seems to say something different. Which card would you pick if you were in my shoes and why?
Hi everyone,
I am looking for the top 5 best overall credit cards for 2025. I travel a lot, eat out a lot, and get gas frequently. I am looking to capitalize on the best cards out there. I’m not very knowledgeable in the space so please help me out. Looking forward to everyone’s responses. Thank you!!
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?
How often do you use it?
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.
Looking to get a cash back card on everything without having to jump thru hoops and or movable categories. Any suggestions.
So I am a single person who doesn’t travel a lot, maybe once a year if that. I don’t spend a lot of money in one category etc. dinning, gas, travel. My highest category would probably be groceries which is around 200 a month. My highest real expenses are mortgage, utilities, insurance and the like. Everything else is just general shopping, clothes, hygiene items, and household items. My question is, what credit card will get me the best value. I have been looking at the Chase Sapphire Preferred and the Capitol One Venture Rewards and neither seem like they would be a good fit because they don’t have a good value for “other” spending. I would like to start earning points so that I could redeem them and travel more, but am wondering if it would even be worth it or if I should just go with something else. I’m not interested in having a bunch of cards to balance and shuffle between either.
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?