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Favorite credit card and why

reddit.com › r › CreditCards › comments › 1kdhjsg › favorite_credit_card_and_why

I’m sentimental to my Discover it card. They gave me a reasonable CL a little after going through a divorce bankruptcy mess. I got in during the Apple Pay introduction where it was 10% cash back and then it was matched after a year. In almost every case I’ve redeemed for discounted gift cards. It’s been a great ride. Last year I finally jumped into the points game with Chase so I’m still getting acclimated to it. Answer from tech-slacker on reddit.com

reddit.com › r/creditcards › favorite credit card and why

r/CreditCards on Reddit: Favorite credit card and why

May 3, 2025 -

What's your favorite credit card for cash back, no interest introductory periods, and other incentives?

Venture X easily. 2x miles on everything, Annual fee is super easy to offset and effectively -$5/year. Visa card, so accepted everywhere (unlike Amex). Access to Cap One/Priority Pass lounges which is an amazing perk and has saved me a bunch of $ on meals while traveling. Free global entry/TSA precheck as well. Plus all the Visa Infinite perks like cell phone insurance, auto rental collision damage waiver, purchase protection, and return protection (which has come in handy for me several times).

USBAR but since it isn't open for application it's not a favorite that can be recommended, so US BANK Kroger cobranded cards, 5% on tap to pay up to up to 3k and amazingly no foreign transaction fee, so an absolute killer abroad where category codes can be tricky!

reddit.com › r/creditcards › best overall credit cards today

r/CreditCards on Reddit: Best Overall Credit Cards Today

April 2, 2024 -

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?

No card is one size fits all. People have different spending habits and goals. For cash back you definitely have a lot more choices for lenders. For those who want to travel, there are only ~6 lenders that are worth a look (in my opinion).

The best credit card is the one that fits your current spending pattern. Far too many people focus on getting cards that doesn't make any sense for them just because someone else said that card was a "keeper". Ex. My main airport is a major OneWorld hub. Delta miles and United miles are worth 0 to me but Avios and AA miles are incredibly valuable.

reddit.com › r/creditcards › what credit cards are you actually keeping long-term, and why?

r/CreditCards on Reddit: What credit cards are you actually keeping long-term, and why?

November 8, 2025 -

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?

Pretty much every card I have right now. They are all no AF cashback cards (+ the savor). Since I’m still young, these will be my oldest lines of credit and I want to make sure I never have to cancel them. •Elan Max Cash - 5% on utilities. I own my house. Seems like a no brainer to have a (x2) 5% category selector card that auto resets your categories. Literally never do anything for this card. Utilities on autopay, card on autopay, I get auto paid. Never cancelling •Apple Card - probably my worst card, but still free, and I’m deeply invested in the Apple ecosystem, so it is alright I guess. Best UI of any card out there hands down. I got it when it could get 3% on tap and 5% on Apple, then I didn’t even get to use the card before they nerfed it. •Fidelity Visa: I love this card. Everyone under the age of ≈45 should get this card. Not only is it a 2% card that can pay anything no questions asked (I use it for taxes), but it also encourages good saving habits. Credit cards are not the only part of finance you should be educated in, and Fidelity is a great business to be a customer of. •Savor - I don’t spend enough money on food to break-even with the gold card yet. + CapitalOne won’t give you any cards if you have too many from other issuers, so it’s good to crack into the Cap1 ecosystem early. •My next card is probably going to be the AMEX Blue Cash Preferred. I have Disney+ so it’s literally free money, + it’s really solid outside of that considering the AF is paid for by the Disney credit

I use all my cards tbh. Some more than others, but all used. -Discover IT is great for the rotating 5% categories. Especially when they’re restaurants, wholesale clubs (I do my grocery shopping at Walmart), and Amazon. -Apple Card is basically at 2% catch all that allows you to do interest free financing on apple products and gives you the ability to use apple’s savings. -Citibank Double Cash is another 2% catch all with less perks than Apple, but I use when Apple Pay isn’t accepted. -Wells Fargo Autograph is great for travel and gas (3x points). And now their points are 1:1 with Jetblue. -Chase Sapphire Preferred opens up the exporting of points from Chase and gets 3X points on dining. Chase absolutely has the best partners, so I’m even considering a Chase FU for an upcoming $$$ purchase.

reddit.com › r/creditcards › recommendations on credit cards

r/CreditCards on Reddit: Recommendations on credit cards

December 1, 2024 -

I need help figuring out what credit card works best for me and my situation. I don't have much knowledge when it comes to credit cards. I tend to look for advice on different cards then get overwhelmed and end up not applying at all.

Some background info: I am 23 years old, work full-time, and am debt-free. I currently live at home (pay no rent), only pay the phone bill, and travel about 2-3 times a year (hoping to do it more often). I live in a small town. I have a bank account through my local bank and savings through Discover. I have a large amount saved in my savings account (if that plays into my income). I applied for a rewards credit card through my bank in April and was declined. I don't mind paying a credit card annual fee if I get good enough rewards.

Current cards:

Visa Platinum College Real Rewards Card $1000 (I was approved of a credit limit increase as of 12/1 after updating my income), August 2020
FICO Score: 728
Oldest account age: 4 years and 3 months
Chase 5/24 status: 0/24
Income: 80,000 (gross) and 58,000 (net)
Average monthly spend and categories:
- dining $200-400
- groceries: $300 (I tend to shop at Walmart and Hy-vee)
- gas: $60
- travel: $50-100
- shopping: $500
- pet bills: $60
- phone bill: $100
Open to Business Cards: e.g. No
What's the purpose of your next card? Travel, Cashback
- Capital One Venture Rewards or Capital One Venture X
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- American Express Gold Card
Are you OK with category spending or do you want a general spending card? I would want a general spending card. I want to transition from using my debit card to using a credit card for its perks.

I am open to hearing any thoughts on my situation and would be grateful for any recommendations! TYIA!

Edit:

Capital One: pre-approved for Quicksilver Rewards, Savor Rewards, Venture Rewards, VentureOne Rewards, Platinum Mastercard, and Venture X.

Chase: pre-approved for Chase Freedom Flex, Chase Freedom Unlimited, Chase Slate Edge, Chase Sapphire Preferred, Chase Sapphire Reserve, Southwest Rapid Rewards Plus, and United Explorer Card.

American Express: pre-approved for American Express Gold.

There are 3 major credit card issuers tthat will earn you the best value for travelling with points and miles. Choose one of the issuers and combine points. Or you can start your journey with multiple of them. CHASE - This is hands down, one of the best credit card issuer and their credit card set up is easy to follow and also called as Chase trifecta in the industry. Here's how I would go about getting these cards: I would say start with Chase Freedom Flex which gives you 5% in rotating quarterly categories (dining, gas, grocery, amazon, etc) And then get Chase Freedome Unlimited which would give you 1.5% on every pther purchase. Both of them comes with a sign up bonus of $200 (equals to 20,000 chase points) after spending $500. Currently, Freedom unlimited has an offer of 25,000 points or $250. Do not spend these points on cashback and try to save them better value with my next suggestion. Finally get a annual fee credit card called Chase Saphhire Preferred ($95) or Chase Saphhire Reserve ($550). They have a standard sign up bonus of 60,000 points but I have seen offers upto 80,000 points. They provide a statement credit of $50 and $250 respectively towards travel to offset the annual fee. You can combine the points on your other cards to this premium card and spend them on travelling. It will be a total of (20,000+20,000+60,000) 100,000 points. So now, if you have the Chase Sapphire preferred, your 100,000 points are worth $1,250 towards travel (1.25 cent = 1 point). If you have Chase sapphire reserve, your 100,000 points are worth $1,500 towards travel (1.5 cent = 1 point). You can also make more value out of them by transferring them to airlines or hotels like Hyatt. These points figures above are just purely from sign up bonus. You will be earning more from using right credit card according to their spending categories and making even more points. That would be a lot of travellinf and great value. If you want to know more about American Express and Capital One card setup. Lmk, I can write a similar reply for them too. Capital One has a real good and almost one of the most best-value card set up if you want to travel more. Amex is awesome too, but I just place them down because of their high annual fees. But, you can still make a good value out of them despite the big sticker price.

Your existing card gives 1.5% cashback, which is a start. Any rent? What Capital One cards do you pre-approve for? General pre-approval: https://www.capitalone.com/credit-cards/preapprove/ Venture X-specific pre-approval: https://www.capitalone.com/credit-cards/preapprove/venture-x I am skeptical you’d be pre-approved for Venture X — it requires a minimum $10K CL — but your pre-approval results through both tools would give us a better feel for how your credit profile is evaluating.

reddit.com › r/creditcards › best credit card for general every day use?

r/CreditCards on Reddit: best credit card for general every day use?

1 month ago -

I currently have a chase sapphire preferred that I use for travel, dining out, and whatever offers they're currently running. I also have a discover that I use for everything else and a wells fargo reflect that I opened a few years ago to do a balance transfer and pay off debt from the discover. I fully paid off the balance transfer a little over a year ago and haven't touched the wf since and don't plan to.

I didn't give too much thought to credit card rewards until recently and realized that my discover card at 1% cash back actually doesn't have great rewards so am looking for something to replace it as my every day card. I still plan to keep the discover and just charge my monthly subscriptions on it to keep it open as it is my oldest line of credit, but I'm looking for a 2%+ card with no annual fee that I can use for groceries, shopping, vet bills, errands, etc.

I've done some research and I'm trying to decide between the citi bank double cash back, wells fargo active cash, and fidelity rewards but also open to any other suggestions. I have my brokerage and roth ira through fidelity so can see the appeal of that card, but have seen some comments about low credit limits and only being able to redeem rewards in $25 increments?

My main priorities with this card would be 2%+ with as few restrictions as possible, no annual fee, good SUB (it looks like all 3 offer similar ones), and good customer service. Thanks in advance!

The fidelity cc is one of my favorites. The $25 reward increment policy is a thing of the past. You can have it autopay your rewards monthly into a fidelity account, I use my cash management account. It also has preapproval ability so you know your credit limit before accepting the offer. Plus it’s a visa with some travel benefits.

You're looking at 3 good cards and you really can't go wrong with any of them, but here's my thoughts. Wells Fargo Active Cash and Citi Double Cash have the advantage of being able to earn transferable travel points when you pair them with a travel card from their respective banks. Double Cash actually has transfer partners already but the transfer ratios get better with a Citi travel card. Citi has the better transfer partners but Wells Fargo has a no annual fee travel card. Wells Fargo has a better travel setup for no annual fee, but I think Citi has a better travel setup for $95. The Fidelity Visa Signature's advantage is it charges no FTF. That makes it useful if you travel outside the US, but if you get a Wells Fargo or Citi travel card (see paragraph above) you'll have another card that charges no FTF. Wells Fargo Active Cash has the most benefits as far as I know. It includes cell phone insurance, emergency roadside assistance, and secondary car rental insurance. In my experience Citi gives me bigger credit lines than Wells Fargo, but that's not a big deal to me because they both give me enough. I don't know about Elan's credit lines.

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

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

reddit.com › r › CreditCards

October 28, 2025 - I think the premier is the best option here as $95 AF and a lot of the elite credits are kinda pointless to me / the way they're set up kinda sucks. (Lyft format is eh and I don't use meal delivery) I also checked the blacklane thing and if I were to use it for a trip to the airport (20 min drive usually) it would cost $160 on a random Saturday morning. I live alone currently and pay rent. My last card which is not a focus at all right now is the AA platinum select card.

reddit.com › r/creditcards › best credit card for my lifestyle

r/CreditCards on Reddit: Best Credit Card for my lifestyle

2 weeks ago -

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

My suggestion would be to get a 2+% cashback card with no annual fee. This is essentially a 2% discount on all purchases you make, and it doesn't sound with your frugal life that you would be likely to use the benefits cards with annual fees offer, so the fee would be completely wasted. The bot below has a link to a wiki page on flat 2+% cashback cards, take a look. My personal favorite is the 2.625% back with the BoA Unlimited Cash, but you do have to be willing to invest $100k with Merill Lynch to get that rate. If you want to play the game further, you can in the future look into getting some cards with 3%-5% cashback in specific categories to go on top of your fallback 2% card.

Template for Card Recommendation Requests: Please review the Template for Card Recommendation Requests , or the questionaire at creditcardtemplate.com to provide relevant information so that others can help you find the best card for you. Interested in cashback cards? Take a look at these resources from the sidebar: List of Flat 2%+ Cashback Cards List of Best Cashback Cards by Category I can be summoned to comment by using command(s): !template I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

reddit.com › r/creditcards › favorite credit card for all around rewards??

r/CreditCards on Reddit: Favorite credit card for all around rewards??

May 29, 2025 -

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.

Amex BCP. $95 annual fee. 6% grocery 6% streaming 3% Gas, it's my #1 card. Covers my main categories, but I use my capital one savor for 3% dining and one card for catch all 2%.

Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, opening date) e.g. Amex BCP $8,000 limit, May 2019 e.g. Chase Freedom Flex $10,000 limit, June 2021 FICO Score: e.g. 750 Oldest account age: e.g. 5 years 6 months Chase 5/24 status: e.g 2/24 Income: e.g. $80,000 Average monthly spend and categories: dining $800 groceries: $400 gas: $100 travel: $100 other: $30 Open to Business Cards: e.g. No What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback Do you have any cards you've been looking at? e.g. Chase Freedom Unlimited Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: Template for Card Recommendation Requests Interested in cashback cards? Take a look at these resources from the sidebar: List of Flat 2%+ Cashback Cards List of Best Cashback Cards by Category I can be summoned to comment by using command(s): !template I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

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reddit.com › r/creditcards › what’s the best credit card?

r/CreditCards on Reddit: what’s the best credit card?

September 9, 2025 -

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.

Centurion. Because it indicates you don't actually need to worry about money.

For you, what are the benefits of paying it off instantly?

reddit.com › r/creditcards › if you could only have 5 credit cards.

r/CreditCards on Reddit: If you could only have 5 credit cards.

February 19, 2024 -

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.

My current setup: Bank Of America Customized Cash Rewards (with Platinum Honors): Restaurants (5.25%) Bank Of America Customized Cash Rewards (with Platinum Honors): Gas (5.25%) and Costco (3.5%) Citi Custom Cash: Groceries (5%) US Bank Cash+: Utilities and Phone bills (5%) Bank of America Unlimited Cash Rewards (with Platinum Honors): Catch all (2.625%)

For me personally: 1: Chase Trifecta with CSP - I like going on really cheap vacations 2: Chase Amazon and Best Buy: Sometimes I need to make a large purchase and need to finance. If I were doing a cash back only set up. I would run the Freedom Flex, Discover It, US Bank +, Citi Double Cash, and the Wells Fargo Autograph. Just hit five percent when possible and let the Double Cash and Autograph clean up with 2/3%.

reddit.com › r/creditcards › best credit card for an everyday spender?

r/CreditCards on Reddit: Best Credit Card for an Everyday Spender?

1 week ago -

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!

The CFU is ok for everyday spending, but I think most people will earn more cash back with Wells Fargo Active Cash or Citi Double Cash because they earn 2% on everything. I'm assuming you don't spend half your money on dining and drug stores.

I'm a big fan of the Fidelity Cash Back Credit Card. 2% cash back on any spend but the kicker is that you can have that 2% auto-reinvested in your brokerage account. I barely even track my cash back and this way it's an automatic savings method. My other main cards are BofA for online shopping at 3% cash back, and Amex gold for restaurants & groceries. And do not cancel cards, especially when you're starting out. If you plan on retiring any - ask to see if you can downgrade it or have a recurring sub like a netflix on the card and just throw it in a drawer. The longer you keep your cards open, the stronger your credit score will be.

reddit.com › r/creditcards › looking for the best credit cards of 2025. need help!

r/CreditCards on Reddit: Looking for the best Credit Cards of 2025. Need help!

January 25, 2025 -

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!!

Best is subjective

Capital One duo, which is the venture X plus the savor is the best bang for buck in my opinion. Venture X pays for itself with the $300 travel credit and anniversary bonus. Gives you lounge access, TSA pre check credit, cell phone insurance, and a few other benefits. Savor gives you 3x on all dining and grocery for no annual fee. The savor cash back can be transferred to miles for travel

reddit.com › r/creditcards › what is the best travel credit card right now for someone planning a few trips next year?

r/CreditCards on Reddit: What is the best travel credit card right now for someone planning a few trips next year?

November 7, 2025 -

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?

You can't be this lazy and want to do award travel. 🤦🏽‍♀️

Almost as if there isn’t one because it completely depends on your circumstances and there totally isn’t a !template to fill out or anything like that to give us any insight on what exactly it is you’re looking for. Also, here’s my obligatory paste text on point travel: Btw if you can’t be bothered to read all that and the linked readings in it, maybe rethink the point travel thing. Because “point travel” and “what card should I get” is kinda 1+1=2 in terms of self-explanatory.” Okay, I’m going to break this down as simple as possible. The Amex Gold is 4x on Dining. You can get cards with 5% cash back on Dining. If you spend $500 a month on Dining (the rough cap of most 5% cards), then you earn either $300 in cash back or 24,000 points per year. Points operate on a basis of cents per point, or CPP for short. The bare minimum you should aim for 1 CPP, or in other words, each point is worth 1 cent. This means every x points card is worth its equivalent in % cash back (2x=2%). This means if you redeem the $300 cash back and buy a $300 ticket, you must purchase that same ticket for 24,000 points for the 4x Amex Gold to break even against a 5% card. This puts your evaluation at 1.25 CPP. Any more and your effective value is higher than just getting a 5% card. Any less and you were better off getting the 5% card, assuming you do not hit spend limit cap of $500/month on Dining. So now you might be wondering, how do I even book a points trip? Read the doc in this thread Also in that doc is another guide on credit cards and techniques that is a prerequisite read. And yes, they’re long as fuck. You back yet? Cool. Now I’ll give you some homework. Go ahead and try and book a flight you would take right now that can use Amex transfers and is valued at 1.25 CPP or higher. After you’ve done that, congrats! You’re a points person if you decided this is what you’re willing to put up with. Hold up, one last thing. That $300 dollars? That’s cold hard cash. You can take that and do anything with it. Spend it. Light it on fire. Put it in a fund making 10% So, what if you just sat your ass on those Amex points? Let’s say you don’t use those points until 3 years from now. That $300 dollars if stuck in a 10% is no longer just $300. It’s now ~$399 dollars. Uh-oh. Now if you redeem at 1.25 CPP, you’re losing out. In order to beat it out, you have to redeem at 1.66 CPP. And as you can probably imagine, the higher the CPP, the harder it gets to redeem for value. And this isn’t factoring external factors like inflation reducing the value of cash, and therefore points redeemed in relation to cash, on top of things like point devaluations. “What’s point devaluations,” you say? Basically, these companies do not want to lose money on you. So what they do is change the values of points bookings over time. A 25K flight this year might be 30K in a year or two. So if the ticket price doesn’t increase at the same relative percentage (it doesn’t), this means your CPP will decrease.

reddit.com › r/creditcards › what is your best 'catch all' credit card and why?

r/CreditCards on Reddit: What is your best 'Catch All' Credit Card and Why?

July 21, 2024 -

How often do you use it?

Bank of America Premium Rewards. With platinum, it’s 2.62 on all purchases, and 3.5 on dining and travel.

I use my Venture X as a catch all and use it several times a week. I go through phases where I use different cards to maximize points, but most of the time I want simplicity.

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

r/CreditCards on Reddit: What’s your favorite credit card and why?

October 6, 2025 -

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?

I have a decent bit of premium cards, but my favorite card is the Capital One Savor.

Amex BCE, 3% back online and 3% back on gas, plus the streaming credit for Disney/Hulu

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.

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 › best cash back card in 2024

r/CreditCards on Reddit: Best Cash Back Card In 2024

March 3, 2024 -

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

If you travel, I would consider the U.S. Bank Altitude Reserve and, if you do not, the Redstone FCU Visa Signature.

Fidelity Rewards Visa is my catch-all. 2% cash back when deposited into a Fidelity account, which is awesome because they're also my 5% APR checking account.

reddit.com › r/creditcards › best credit card for an average person?

r/CreditCards on Reddit: Best credit card for an average person?

June 18, 2025 -

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.

Cap one saver or amex blue cash everyday.

Yeah sapphire and venture are kinda meh if you’re not traveling much. For everyday stuff and groceries, you’re better off with a flat 2% card. No thinking, just swipe and move on. I’ve got the fasten rewards card and it’s been solid for that

reddit.com › r/creditcards › what are your favorite credit cards and why?

r/CreditCards on Reddit: What are your favorite credit cards and why?

November 27, 2025 -

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?

So far VentureX. I don't like carrying a bunch of cards for different purposes. So the VentureX is the most well rounded for me personally as a catch-all

Altitude reserve (rip) for that sweet 4.5% back on tap.