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?

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?

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

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 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!

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.

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?

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.

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!

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.

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?

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!

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!

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.

Hello everyone! Im currently looking for a high tier credit card that will help improve my credit. Id love something that will get me travel points and lounge access. My credit is not terrible but it’s not where i want it to be. In a month or two it will be back at my normal credit of 720-740. My main expenses are gas and going out to eat/dates, i really dont spend much though. I’ve been looking at the Amex platinum but that’s just because it’s one I’m familiar with.

The last 2 credit cards i got were pretty much out of necessity, i work in film and the Strikes really took a toll on a lot of the industry(all better now). I have good discipline, my score and balance may not reflect but it was just conditional.

Also does anyone have experience with Capital one removing a Late payment? I had one during pandemic and mailed them twice and they rejected it.

• ⁠Current cards: - Capital One Platinum $800 May 2017 - Amex BCP $1,000 limit, January 2019 - Capital One quicksilver one $2,500 limit, Jan 2018 - Capital one (Union plus) $3,000 July 2023 - Apple Card $1,000 August 2023

I owe about 5k, i know its a lot but by November it will be paid off. If not earlier. 1 Paid collections that falls off in a year. My old roommates left the place trashed after move out and my name was on the lease.

• ⁠FICO Score: myFICO FICO Score 8 Experian 653 My credit is usually higher, low-mid 700s. I had to make an investment which brought it down as well as the film strike.

• ⁠Oldest account age: 7 years 4 months

• ⁠Income: Between $100,000- $200,000 I work in film so it varies but for the next few months i will Net 18-20k a month, half of that being from my business which i dont really plan on touching.

• ⁠Average monthly spend and categories: ⁠• ⁠dining $200-400 I dont eat out much generally, weekly Uber Eats ⁠• ⁠groceries: $200 Usually higher if im not working, but this is average. ⁠• ⁠gas: $250 I drive an old LS430, im switching to a 4Runner once my credit rises ⁠• ⁠travel: $2000(yearly estimate)

• ⁠Open to Business Cards: somewhat

• ⁠What's the purpose of your next card? Build Credit and ideally gain travel points. Airport Lounge access is very high on the list but not an absolute priority.

• ⁠Do you have any cards you've been looking at? AMEX Plainum, Chase Freedom Unlimited, Chase Sapphire preferred. Looking for any good recs.

• ⁠Are you OK with category spending or do you want a general spending card? Id like a general one, something i dont have to think about too much.

Amex Gold because I got a retention bonus — 20,000 points with $2,000 spend in three months.

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

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.