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About LinkBacksI know many members on this forum have multiple cards to maximize each category. But I was curious, what if you could only have one card. Which would you choose? For me I would probably stick with my Fidelity Amex.
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Green Member
- Join Date
- Jan 2012
- Location
- California
- Posts
- 3
If you could only have one card...
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Centurion Member
- Join Date
- Apr 2009
- Location
- Texas
- Posts
- 542
If only one, I would choose Chase Freedom over Fidelity Amex ONLY because it's a Visa and more widely accepted. Because I'm a Chase checking customer I can see the Freedom account on the same web page as my checking. Also, because I have the checking account, Freedom cashback for me works out to at least 2% on purchases that are $10 or less. That's a good percentage of my transactions. Otherwise it would be the Fidelity Amex.
CARDS (and why)
FIA Card Services: Fidelity Amex (best cash back excepting 5% cards), Fidelity Visa (spare)
Chase: Freedom (only for 5% reward categories, purchases under $10), Sapphire (not in use), Amazon Rewards (for Amazon purchases only)
CapitalOne: No Hassle Rewards (no foreign transaction fee, my only MasterCard, not in use)
Amex: Blue Cash Everyday (not in use)
Discover: More (only for 5% reward categories)
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Centurion Member
- Join Date
- Jan 2012
- Location
- Los Angeles, California
- Posts
- 143
I would have VISA from any bank or lender because I think VISA is widely accepted everywhere than Mastercard, AMEX, Discover, etc.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln
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Centurion Member
- Join Date
- Jul 2011
- Location
- Newton, MA
- Posts
- 122
Of my cards I would have to say my discover more card. The 5% cash back is great. And the customer service is the best. Even though its not as widely accepted as visa/mc its still my favorite
Cards
Visa: Citi Forward (5x pts on restaurants), Capital One Journey (1.25% cash back), BofA AAA (5% on gas)
Discover: Discover More (5% rotating categories)
Mastercard: Best Buy (4% at best buy), Chase Freedom (5% rotating categories)
American Express: Zync
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Centurion Member
- Join Date
- Jul 2011
- Location
- Houston
- Posts
- 106
Discover and Amex are both out IMO. They are not accepted everywhere I shop. I would have to say I would likely go with my Capital One Venture. Visa Signature Perks, no foreign transaction fees, 2 points per dollar spent. Easy to redeem points, because you do not have to wait until statement day to earn them. If you do any type of traveling (or plan on it) the card is a winner. (I know someone will complain about customer service at Capital One but so far I have not had to deal with them.)
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Centurion Member
- Join Date
- Jan 2012
- Location
- Denver
- Posts
- 200
Amex Platinum Personal charge.
Everything I purchase is covered with an additional warranty for free. And I won't even go into all the travel benefits.
Just my two cents.Cards Used:
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
American Express Business Simply Cash
Cards Acquired:
American Express Blue, American Express Platinum Business
Bank of America 10k, Capital One 7.5k, Fidelity Visa Signature 10k
Citibank Platinum Select ThankYou MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 10k, Chase Slate Exclusives Visa 5k
Macys, Nordstroms, Neiman Marcus, Best Buy 5.3k, Kohls
Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+
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Centurion Member
- Join Date
- Jun 2011
- Location
- New York state
- Posts
- 868
I don't agree about master card But your correct on the other 2.
Originally Posted by Celestine
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Centurion Member
- Join Date
- Jun 2011
- Location
- New York state
- Posts
- 868
tough decision, even though my Discover isn't as widely accepted as my capitol venture, my Discover does have my membership date of 1998, while my capitol1 is only 1 year plus. I guess it's hard to beat a longevity.
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Centurion Member
- Join Date
- Jun 2011
- Location
- Down South
- Posts
- 201
It would have been my Penfed Platinum cash rewards, but then they changed the cash back on all purchases to .25% beginning next month. I would say my Discover Miles card, but it isn't accepted anywhere. My answer would have to be my credit union Visa because of 1% on all purchases after I hit a threshold, very low 9.5% interest rate, and the sizable limit they gave me.
Cards
Visa: BofA Cash rewards Visa Signature (1% on everything)
Kroger 123 Rewards Visa, Ascend FCU Platinum Visa (1% back), Penfed Platinum Cash Rewards Visa (5% on Gas)
BofA Cash Reward Platinum Plus (1% on everything, 2%on groceries, 3% on gas), Penfed Platinum Rewards Visa ( 5 points on gas, 3 points on groceries, 1 point on everything else)
Discover: Discover More (5% back rotating categories), Discover Miles (2% on travel and restaurants, double miles on phone, internet, and tv
Amex: Gold Card, BofA Accelerated Cash Rewards (1.5% on everything)
Express Store card (points for gift certificates and special deals)
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