Suggestions for a good everyday card?

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13 posts
Centurion Member
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Location: Baltimore

Postby Ratfacedudeguy » Sun Nov 18, 2012 5:19 pm

Good call DavidNY. Took the words right out of my mouth. Or fingers.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

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Postby MemberSince99 » Sun Nov 18, 2012 10:15 pm

Really though, there is more that goes into this. I mean first of all, what is your profile like as far as scores, AAoA, derogs, history, types of credit (installments, revolving, mortgage), and so on. If he has a Cap One for 6 months and a First Premier that's going to be a different case than if he has a Cap One for 2 years and an Amex for 6 months.

So it depends on what you can realistically get or hope to get first of all. Also various cards are good at various things. Freedom has revolving 5% categories by quarter as does Discover More. US Bank has a couple of 5% categories for their Cash + also selectable by quarter. Amex has a couple of cards that give nice rewards on gas and groceries as well as Associated Bank and even the Chase Amazon Visa card.

So it depends on where you see your spending going as well.

I guess I'm just bringing this up if you want to maximize your rewards. Not sure there is an "optimal" do all card as some folks pointed out or we'd all be trying to get that. Seems you have to use a mix if you want to maximize your return.

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Postby ChrisR2020 » Sun Nov 18, 2012 10:18 pm

If you do not care about rewards, any card with low interest rates and no annual fees... your bank, barclaycard ring, USAA...

Several options if you care about cashback, in order of preference:
1. chase freedom (online mall and accepted everywhere)
2. amex bcp, eventhough not every one takes amex (i.e. subway for lunch)
3. bof cash back
4. barclaycard rewards
5. capital one venture one (the blue one), no foreing exchange fee if you travel
6. capital one cash returns
[font=Century Gothic][size=60][/size][/font]Chase freedom visa 12k / American Express BCP 25k / Capital One Quicksilver visa sig13k / barclaycard rewards mc 8k / Citi simplicity visa 12k / Capital One cash rewards mc 5k / BB&T visa Sig12k / Citi Thank you preferred mc 10k / BOFA visa 12k / Citi Dividend visa 6k

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