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What credit cards are you actually keeping long-term, and why?

reddit.com › r › CreditCards › comments › 1ormfpg › what_credit_cards_are_you_actually_keeping

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. Answer from Dogmama1230 on reddit.com

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.

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

r/CreditCards on Reddit: Best Credit Card for everyday use?

January 4, 2024 -

Hi everyone, I currently have no good cards that offer me any good cash back for everyday use and hoping I could get some advice on what a good card would be for me.

I eat out at restaurants a lot (never use door dash/uber eats), do a good amount of shopping (online and in person) and get around 10-15 tickets every year (concerts and sporting events.) I have a Platinum card which I use for all hotels/flights so that is not something I need for the card.

I’d say probably ~60% of the expanses on this card will be from grocery stores/restaurants.

The three that seem to best fit that I’ve seen are the Amex Blue Cash Preferred (BCP), Amex Gold and Capitol one savior, but I’m open to any card.

I’m not sure if cash back or points are the way to go either. My Platinum card is through Charles Schwab which I can cash out at 1.1x points directly to my Schwab account, but BCP has 6% at grocery stores.

I don’t spend more then 6k a year on groceries (BCP threshold) I am also willing to get more then 1 card if that would be best.

Thanks for taking the time to read, any advice would be much appreciated. :)

I would say Savor One. Mainly because your two top categories are groceries/restaurants and entertainment which all get 3x cash back. I’d use the Venture X as a catch all for 2x on anything and everything else.

I'm on the Savor One train. Had that card for years. Since you are not likely to use the Amex credits, the Gold is a no go. The Savor card is a workhorse.

reddit.com › r/creditcards › best credit card for general spending?

r/CreditCards on Reddit: Best credit card for general spending?

May 30, 2021 -

Hi! I'm 24 years old and living in Denver, CO. I took a two-month break after I quit my job and I am starting a new one in a couple of days. I'm not quite sure what my goal is...but I always use my credit cards and pay them off even before the statement date. I just want to take advantage of offers or great deals, whether they be miles, cashback, etc. I don't travel too often, and I accumulated ~90k miles on my Chase United Explorer card thus far.

I figured I have some room to improve in the realm of credit cards so I have been studying up on them. It seems like there is a lot to know and take advantage of. Simply put, I want to benefit from the best credit cards and "make" money where I can. Thank you for reading this and for your help!

Current cards: (list cards, limits, opening date)
- Discover IT, limit is $8,300, opening date since June 2017.
- Chase United Explorer, limit is $18,700, open since May 2021
FICO Score: 782
Oldest account age: 6 years 5 months
Chase 5/24 status: 1/24
Income: $77,000
Average monthly spend and categories:
- dining $800
- groceries: $300
- gas: $200
- travel: not sure? $300 some months for my trip back home to NY, $0 all other months
- other: also not sure...
Open to Business Cards: Haven't done enough research on it but currently doing so now. Not sure what the benefits / trappings of it are, so would appreciate some advice on that if you so please.
What's the purpose of your next card? Cashback and taking advantage of great sign-on awards would be nice! That was the main reason I got my United card, as I almost always fly United.
Do you have any cards you've been looking at? I have been looking at the Chase Sapphire Preferred card and see that everyone has been saying great things about it. I have also been looking at the Amex Gold Card because I do spend a lot of money on food (I haven't been able to find a lot of time to cook as an adult which is something I am trying to work on...D: )
Are you OK with category spending or do you want a general spending card? General spending!

Depends on how many hoops you are willing to jump through to get good rewards. Amex Gold is a good option based on your spending, but for maximum point values you need to use the points for travel. Capital One SavorOne could be a good fit if you prefer a simpler cash back card. If you like to use one card for everything you can’t go wrong with a flat 2% card like the Citi Double Cash, WF Active Cash, or even the SoFi credit card if you’re a customer.

Citi premier covers all your major categories.

reddit.com › r/creditcards › looking for the best general use credit card

r/CreditCards on Reddit: Looking for the best general use credit card

July 19, 2022 -

Currently I have the following credit cards & credit limits:

• American Express Blue Cash Everyday - $3,000.

• American Express Hilton Honors - $22,000.

• Capital One Quicksilver - $4,000.

• Capital One Savor - $5,000.

• Chase Amazon Prime - $4,200.

• Discover It - $21,500.

• Synchrony Premier MasterCard - $7,000.

Should I use one of these open cards or should I get a new one for the best everyday card? I’m tired of juggling multiple cards and payments.

Looking for best rewards, benefits, fraud alerts, and acceptance rate. Not as worried about APR as plan on paying it off 99% of the time.

We need you to use the template provided in the useful links section. You have a flair saying the template was used, but it was not. We cannot give you specific recommendations without knowing the info from the template.

So are you looking to close down some or all of your cards above? You said you're "tired of juggling multiple cards and payments" which suggests that you're looking to move to a 1 card only profile.

reddit.com › r › CreditCards

September 14, 2008 - We’re in an MCOL area with about $400k household TC. ... • Chase Sapphire Reserve → most dining/travel + general spend • Robinhood Gold card → anything that doesn’t fall into CSR bonus categories

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.

Find elsewhere

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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 › 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 › looking for a better card for general everyday spending

r/CreditCards on Reddit: Looking for a better card for general everyday spending

September 27, 2025 -

I'm thinking of getting a different credit card that will give me the best benefits for my spending categories. I currently use a Venture One card for general everyday spending, but I feel like I could do better. I am married and my wife makes all of the grocery purchases on her card, so I spend very little on groceries. We cook at home and don't eat out very often. We try to take a vacation every year or two to go to Europe and visit family.

Current cards: (list cards, limits, opening date)
- Chase Amazon Prime, $8,200, opened ~8 years ago
- CapitalOne Venture One, $20,000, opened 2 years ago
FICO Score: 780
Oldest account age: 9 years
Income: e.g. $120,000
Average monthly spend and categories:
- dining $275
- groceries: $92
- gas: $236
- travel: $192
- other: $2793
Open to Business Cards: No
What's the purpose of your next card? Cashback
Do you have any cards you've been looking at? No
Are you OK with category spending or do you want a general spending card? I'm open to any card that fits my spending habits best.

The average monthly spend values above were taken from CapitalOne (went back 1 year and divided each category by 12). I use this card for my normal everyday spending. I only use the Chase Amazon card for Amazon and plan to keep that one.

Please let me know if you have any questions. TIA.

What is "other" that contains 75% of your spending? That is super relevant.

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): !cashback 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 › recommendation for new general credit card?

r/CreditCards on Reddit: Recommendation for New General Credit Card?

October 12, 2023 -

Hello, looking for assistance on credit card recommendations. Also should I apply for a new credit card before canceling a credit card I don’t want to use anymore?

Current cards: (list cards, limits, opening date) USAA Rewards Card, Visa Signature, $7600 limit, and opened May 2015 American Express Delta Skymiles Gold, $3300 limit, Oct 2020

FICO Score: e.g. 785

Oldest account age: USAA, May 2015 Income: e.g. ~$55,000

Average monthly spend and categories: Mortgage: $1700 Power/Water/Internet: $175 Groceries: $400 Gas: $65 Car Insurance: $170 Phone: $80

Open to Business Cards: No

What's the purpose of your next card? I’d like to not pay the yearly $150 on my American Express card and officially cancel the card as I rarely travel unless for a company paid business trip. I’d like a general card for purchases as my main card, USAA barely gets any points. (1x points on most stuff.)

Do you have any cards you've been looking at? I’ve heard good things about The SavorOne Card from Capital One and wanted to make sure this would be the best card for me? Or any suggestions? I’d like to not have yearly fees at the moment.

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

You don't eat at restaurants?

I guess maybe Citi Custom Cash or AAA daily advantage for 5% groceries 1% else?

Or US bank cash+/one of the Elan MCPs for 5% power/water/internet and 2% groceries?

Or WF active cash for generic 2%

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):

!cashback

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 › 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 › 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.

reddit.com › r/creditcards › what is a good starter credit card?

r/CreditCards on Reddit: What is a good starter credit card?

February 26, 2025 -

Hey all,

I'm looking to get my first credit card. I've been doing some research to find a good one to open up. I currently bank with Wells Fargo and SECU. I've been told looking at credit cards with your banks first is a good rule of thumb. I want to try and find one that doesn't have a very high interest rate, but I don't plan on spending large amounts on it. I just want to start building my credit through my every day purchases like rent, gas, and groceries. Something with cash back would be nice and I don't do a whole lot of traveling so I'm not interested in anything with miles or points for traveling. I've seen a couple that offers points over cash back, but I'm not sure what they goes towards. Is getting a card that values points worth it if you don't travel a lot?

I would just like a few suggestions for credit cards or tips on how to get started. Any help is appreciated. Thank you!

read the sidebar. this is asked every single day, multiple time a day

find one that doesn't have a very high interest rate, If you are using your credit card properly the APR is irrelevant because you will never pay interest anyway. If you pay the statement balance (not the current balance, know the difference) in full before the due date each month, you don't pay any interest. If you let even $1 of the statement balance go unpaid and carry over past the due date into the next statement period (i.e., "carry a balance,") you start paying interest on everything, every day from the moment of purchase. That's dumb. Don't do that. Don't ever use a credit card to buy something you don't already have cash to pay for. Do not get into the habit of saying "I don't get paid until next Friday, and I'm broke now, so I'll put it on my credit card." If you cannot just as easily use cash/debit, do not use a credit card. Is getting a card that values points worth it if you don't travel a lot? No. Cash back is a good place to start, it's easy. Earning and redeeming points is like a whole 'nother hobby to study and learn, and it's not worth it if you don't travel. You should absolutely be looking at a $0 Annual Fee card. Don't pay an AF for a card right now. Since you bank at Wells Fargo anyway, the WF Active Cash card is a good choice. It's an easy 2% cash back on everything. If you spend $500 within the first 3 months, you also get a $200 cash sign up bonus (SUB.) That should be easy money to earn. The Capital One Savor is a good card too. Also $0 AF, it has 3% cash back on dining, grocery and entertainment purchases, 8% if you book entertainment through Capital One, 5% cash back on hotels and rental cars booked through Capital One Travel, and 1% on everything else. It also has the same $200 SUB offer. Discover is often recommended as a first card. They are known to be more accepting of people with little to no credit history. The cash back ranges from 1-5% depending on category of spending, which rotates every 3 months. For their SUB they will double the cash back for the 1st year. All of these are regular, unsecured credit cards. If you have trouble getting approval for an unsecured card you may have to start with a secured card, which means you have to send them a security deposit before they give you a card. After 6-12 months of responsible use you can probably transition to an unsecured card and get your deposit back. Discover is the right place to look for a secured card.

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/personalfinance › best all-around credit card for general use?

r/personalfinance on Reddit: Best all-around credit card for general use?

August 22, 2020 -

I (25M) currently have two credit cards - a Discover it Card and a very basic "college rewards" card. I've had these cards for years and they both offer what seem to be fairly basic rewards/cashback programs.

Since I'm now more financially stable and spending more than I did in college, I'm looking to get a new credit card that will offer me more robust rewards and/or cashback. I've read a lot on Reddit and elsewhere about the most popular cards for various types of rewards, but there doesn't seem to be a general consensus on the best all-around card. Instead, it's just lists of the best card for gas, the best card for restaurants, the best card for live entertainment, etc.

While I understand those who are willing to carry around 5+ different credit cards for various purposes, I'm not really looking to do that. I'd prefer a single credit card that offers the best all-around rewards, even if its purpose-specific rates might be lower. (I hope that makes sense - happy to answer any clarifying questions if needed.)

I'm not concerned with APR as I never carry a balance, so that isn't a factor for me. My annual spending on credit cards is probably around $9000-10,000. (Edit: I also thought it might be helpful to mention that my credit score is in the high 700s.)

What would your recommendations be for the best all-around credit card? Or, alternatively, do you think I have the wrong mindset and would I be better suited to sucking it up and carrying half a dozen credit cards with me? I appreciate any feedback - thanks!

For cash back- Citi Double Cash or Fidelity 2% (with a fidelity account).

For travel? That is a whole (fun) can of worms.

I believe there are three cards on the market that give 2% on everything. Wells Fargo Active Cash, Citi Double Cash, and the Fidelity credit card.

Personally, I only carry the Wells Fargo card and an Amex Blue Cash Preferred (for higher rewards on groceries and gas). I also use the Chase Amazon Visa for Amazon, but generally don't bother carrying it with me.

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

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

July 3, 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.

I got one for team cashback! The PCMCU (People Caring More Credit Union) Mastercard Platinum rewards card, which gives 5% cashback on all purchases up to $1,000 a month/$12,000 a year resulting in a total of $600 cashback a year, not including any 1% rewards after. It has a 9.88% fixed APR, $200 cell phone insurance, auto rental collision damage waiver & $1M in travel insurance. All for a $49 AF that’s waived the first year. No balance transfer or cash advance fees & the credit line is fixed anywhere from $10K - $25K. I imagine this card is tough to get even if you live in Wisconsin. Compare this to the Citi Custom Cash which is HALF the monthly cap and limited to one category. Sheesh. Besides this, inactive goat cards would have to be Citi Prestige and the Uber card. Broken.

Starwood Preferred Guest amex was a great card from what I remember. It was easy to build up a huge balance of SPG points which could be transferred to airlines at a very high rates and amex didn't care if you MS'd back then. I don't remember all the details because i was just starting churning back then but I remember that was the grail for a lot of churners.

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 › which credit cards do you have & why ??

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

April 30, 2023 -

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• 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?

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.