Please list your favorite credit card and explain why...

For just about anything you want to get off your chest about credit cards.
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upnorth
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Postby upnorth » Mon Jan 19, 2015 10:48 am

My favorite credit card used to be a Chase Visa by FIA - 2% cash back on everything. It ended up with BOA which had lousy service and reduced cash back. So I dumped it. Now I use Sams MC for gas (5% up to $6k, and 3% travel hotel/flights) and for everything else I use the Fidelity Visa by FIA that includes 1.5% cash back for first $15k and then 2%. I am seeking a non annual fee credit card with no foreign currency transaction and chip +pin. I travel 4/5 times per year and US issued magnetic swipe and/or US Chip + Signature are not accepted in many places in Europe and Asia. Any recommendations? I am not eligible for NFCU etc. for no military service or direct relative.


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Snowman
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Postby Snowman » Mon Jan 19, 2015 11:41 am

Hmm,

If I have to pick my favorite card, it has to be the SPG or my Freedom card for a lot of my purchases.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

solomon
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Postby solomon » Wed Jan 21, 2015 10:09 am

Thanks for making this the 63rd post. I want this thread to reach 75.

Anyone know about the AMEX Serve pre-paid card?
MC Citi Dividends WE - CLI 4/31/16
V US Bank Cash+ - CLI 05/31/16
V US Bank Platinum - CLI 12/24/14
AXP Blue Cash Everyday - CLI 5/31/16
MC Sam's Club - 03/04/15
DFS It - CLI 05/31/16
V Chase Freedom - CLI 6/17/15
CSP - 06/02/16
C Slate - 06/02/16
BAC Cash Rewards - 10/7/16

yfan
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Postby yfan » Wed Jan 21, 2015 6:49 pm

upnorth wrote:I am seeking a non annual fee credit card with no foreign currency transaction and chip +pin. I travel 4/5 times per year and US issued magnetic swipe and/or US Chip + Signature are not accepted in many places in Europe and Asia.

Not from US issuers, no. Technically all chip+pin terminals are supposed to accept Chip+signature, and Visa and MC are supposedly doing something about that.

solomon wrote:Anyone know about the AMEX Serve pre-paid card?

I know it's not a credit card.

upnorth
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Postby upnorth » Wed Jan 21, 2015 11:14 pm

yfan wrote:Not from US issuers, no. Technically all chip+pin terminals are supposed to accept Chip+signature, and Visa and MC are supposedly doing something about that.


I know it's not a credit card.


Since then I did some more research. I found that UNFCU issues pure chip and pin credit cards and even if one is not a member of UN, can join through membership of a partner. Secondly I found that the Schwab bank debit card has 3 EMV's and includes both on-line and off-line pin plus the usual signature. I have requested Schwab for a new debit card. Hopefully with my Sams Club Master Card (Chip+Signature and Chip+pin on-line) and the Schwab card, I should be able to navigate any part of the globe. If this does not work, then I will go for the Azure card from UNFCU.

Darrvao777
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Postby Darrvao777 » Sun Jan 25, 2015 10:08 pm

Amex platinum, love those perks
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)

solomon
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Postby solomon » Thu Jan 29, 2015 7:41 pm

Chase Freedom vs. Discover IT

GO!

According to this thread, many people have listed the Discover IT as their favorite card. How about those who have a Chase Freedom card, too, and how do it compare?
MC Citi Dividends WE - CLI 4/31/16
V US Bank Cash+ - CLI 05/31/16
V US Bank Platinum - CLI 12/24/14
AXP Blue Cash Everyday - CLI 5/31/16
MC Sam's Club - 03/04/15
DFS It - CLI 05/31/16
V Chase Freedom - CLI 6/17/15
CSP - 06/02/16
C Slate - 06/02/16
BAC Cash Rewards - 10/7/16

augiedog
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Postby augiedog » Thu Jan 29, 2015 8:51 pm

solomon wrote:Chase Freedom vs. Discover IT

GO!

According to this thread, many people have listed the Discover IT as their favorite card. How about those who have a Chase Freedom card, too, and how do it compare?


I'd have to stick with the Discover because it might have many of the same perks as the Chase, but in my experience the Discover It has them much more accessible and customer friendly. While I really love the grocery category for the Chase this quarter, I found the Amazon category too restrictive (Discover was for ALL online purchases) and doesn't have the price protection and return protection features that the Discover has (especially during the holiday shopping period). I do also have to say I'm happy about double dipping into the 5% gas category this year!
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

solomon
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Postby solomon » Thu Jan 29, 2015 8:59 pm

Zing another for Discover IT.

I have been using the U.S. Bank Cash+ card. Did you know that when you reach over $100 they give you a $25 dollar bonus? They are doing away with that in April but I had been cashing out at like $20.

Is it better to take less even though it's cash now or wait for it to be over $100 and get a $25 bonus?
MC Citi Dividends WE - CLI 4/31/16
V US Bank Cash+ - CLI 05/31/16
V US Bank Platinum - CLI 12/24/14
AXP Blue Cash Everyday - CLI 5/31/16
MC Sam's Club - 03/04/15
DFS It - CLI 05/31/16
V Chase Freedom - CLI 6/17/15
CSP - 06/02/16
C Slate - 06/02/16
BAC Cash Rewards - 10/7/16

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Jan 29, 2015 11:01 pm

Freedom does offer price protection, though I've never used it and I'm sure it could be a hassle with any issuer.

Discover and Chase have both given me fraud alerts over genuine, authorized transactions. Discover fixed it quickly, while Chase kept me on hold for a while. Chase allowed an actually fraudulent charge once, and I had to go through a lot of people to get it fixed. I've never had actual fraud on my Discover, but then again I mostly use it for online shopping and 5% gas. Freedom was (until I got my CSP) the card I used in restaurants (and I've shared my views on credit cards and waiters before). So my spending left the Freedom more vulnerable to fraud, making it a little harder to compare customer service in a totally objective way.

Discover has some cheap gift cards that will let you get nominally 1.1 or 1.2 cents per point for a useful gift card (like Chipotle or Olive Garden), but to get 'value' beyond that you have to get a less-useful gift card (for me, at least) at a place like the Popcorn Factory. Consider that Discover and Chase portals offer discounts that are nearly as good for several of the gift card partners, and the Discover gift cards are a lot less appealing to me than they used to be. Chase's gift cards are even worse, so Chase and Discover should be compared as purely cash bank cards.

CSP's ability to seriously multiply the value of Freedom's UR points is an overwhelming factor, though. So I'd say that for heavy spending, in the long run, CSP+Freedom > Discover > Freedom alone. For light spending, Discover > Freedom > Freedom+CSP.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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