Choosing a Credit Card – Do you have one of these?

posted 3 years ago in The Lounge
  • poll:
    I have a Citi ThankYou Preferred and I like it. : (6 votes)
    20 %
    I have a Discover It and I llike it. : (7 votes)
    23 %
    I have a Barclaycard Rewards and I llike it. : (1 votes)
    3 %
    I have a Citi ThankYou Preferred and I dislike it. : (0 votes)
    I havea Discover It and I dislike it. : (2 votes)
    7 %
    I have a Barclaycard Rewards and I dislike it. : (0 votes)
    I recommend a different card - comment below. : (8 votes)
    27 %
    Other? : (6 votes)
    20 %
  • Post # 3
    Member
    1896 posts
    Buzzing bee
    • Wedding: March 2014

    @LadyBear:  I had a bad experience with Discover. They jacked up my interest rates higher than any other card at the time (I used to have several credit cards racked up with balances).  Also, not accepted everywhere like a visa/MC

    Post # 4
    Member
    3693 posts
    Sugar bee
    • Wedding: August 2013

    I have the Chase Freedom – love it, great rewards.

    ETA: Oops! Just saw you already have it. Still love the card!

    Post # 5
    Member
    13003 posts
    Honey Beekeeper
    • Wedding: June 2011

    Discover has great vendor cash back rewards when you link to a handful of sites like Kohls, macys, etc, typically 5-10%.  They also have a card with quarterly 5% bonus rotation like Chase Freedom (not sure if Discover it is the one though, the only thing I know about that one is that they give your credit score on your statement from a commercial, and I dont find that very useful).   I only use discover for online shopping.

    I have a citi dividends which I only use for the quarterly 5% rotation. (Not sure if TY is the same).  I have found little use for this card and just put it away now.

    My main card is Bank of America Cash Rewards, 3% back on gas, 2% grocery/pharmcacy and 1% on everything else.  If you have a Bofa account and deposit the rewards right to it, you get a bonus 10% on the rewards too.

    Post # 6
    Member
    920 posts
    Busy bee
    • Wedding: June 2015

    I have chase freedom, and discover motiva. no complaints at all! my SO just opened the citi thank you card, because he got 0% interest for 12 months. i would suggest that one from the choices you mentioned. 

    I keep getting offers for a new American Express that has no annual fee, and also gives rewards. that one looks intriguing! and to pp, sorry you had issues with discover. I have loved mine. my wallet got stolen and someone spent $1200 at Kay Jeweler’s on it. They refubded it to me within 24 hours! 

    Post # 7
    Member
    4468 posts
    Honey bee
    • Wedding: April 2013

    @LadyBear:  we have Chase Freedom, Chase Sapphire Preferred and just got British Airways as they were offering 100k bonus sign up miles! I’m not sure if the offer is still on, but we thiught it was a great deal.

    Post # 8
    Member
    627 posts
    Busy bee
    • Wedding: May 2014 - Scottish Rite Cathedral (New Castle, PA)

    I have a Discover it and really like it. They have 1% cash back with certain things being 5% at different times. You can redeem your cash back directly to your account or by gift card, the gift cards usually multiple your cash back (Ex. if you have $40 cash back you’ll get a $50 gift card). FI also has one and someone tried to use his account(fraud) and Discover stopped it before they could, informed us within 20 minutes of the attempt and sent a new card immediately. They offer up to $500 purchase protection, I ordered an item from Best Buy online that never got delivered and they refunded the purchase no problem. I pay it off each month so I don’t have any dealing with the interest or it changing. I like seeing my credit score each month since it’s my first card and I’m building credit. The website and app are easy to use and I never have any issues. I’ve always talked to a person (customer center in Utah), with less than 5 minute wait, usually no wait when I’ve had to call them. So I’d recommend it! 

    Post # 9
    Member
    6504 posts
    Bee Keeper
    • Wedding: June 2013

    We got the Capital One Quicksilver back in November and have liked it so far. We  specifically got it because they do not charge extra fees internationally. We now use it for almost everything because you get 1.5% back on all purchases with no annual fees. We use the Chase Freedom as well to purchase items that fall into their quarterly rewards category.

    I’ve never had any of the cards you listed.

    Post # 11
    Member
    8592 posts
    Bumble Beekeeper
    • Wedding: September 2013

    I have Chase which I love.  I don’t have Discover but my parents use it for a lot of online shopping and I think it’s great.  They also used it for some of my wedding payments and got a lot of $ back from those.  I would go with that if I didn’t like my Chase one.  They usually just opt to receive cash back in gift cards.

    Post # 12
    Member
    1822 posts
    Buzzing bee
    • Wedding: May 2013 - Pavilion overlooking golf course scenery, reception at banquet hall

    I am just curious – why do you want another card if you love the one you already have?

    I have a Chase Freedom and am happy with it. I also have a Discover, but only because when my mom passed away and I tried to cancel it they asked if I’d like to put the card in my name. I said “sure why not” simply to have a big $10k emergency card, but have yet to use it at all. 

    Post # 13
    Member
    6000 posts
    Bee Keeper
    • Wedding: October 2013

    I know you didn’t list this one but i absolutely love my AMEX (blue cash) card. It has the best reward program. No annual fee. There are still a few places that don’t take AMEX but I’ve noticed that’s mostly at doctor’s offices and very small businesses.

    Post # 14
    Member
    3989 posts
    Honey bee
    • Wedding: October 2011

    @IzzyBear:  What’s the difference between the blue cash and another AMEX card in that you don’t have to pay an annual fee?  Less rewards?

    I’ve been looking into getting an AMEX and was curious.

    Post # 15
    Member
    1355 posts
    Bumble bee
    • Wedding: October 2013 - Vine Street Church

    I just have a Capital One with like a $1000 limit. My parents declared bankruptcy, so having more than a $1000 limit scares the everloving shit out of me. I feel deep in my heart that I wouldn’t spend more than I could, but I’d rather avoid the temptation.

    Post # 16
    Member
    795 posts
    Busy bee
    • Wedding: May 2013

    I have a Discover and really, really like it. I’ve had it for a decade. It’s true is a PP wrote it is not as widely accepted as MC/Visa but I’ve only ever encountered it not being accepted once.

    One thing I really like about it is international travel. There are no charges for foreign transactions and no charges for currency conversion. 

    The other thing I really like is their cashback offering. 1% on all purchases, 5% on something new every quarter. For instance, last quarter was 5% back on all online purchases. This quarter is I think gas and dining out. BUT, you can get much more CB through retailers by going through ShopDiscover. Every retailer is different, but for instance at one point Groupon had 20% cashback. That’s huge. A lot of retailers are around 5-10%. This is just for online shopping.

    If you use Amazon often, you can pay for Amazon purchases directly from your Discover CB. This is very beneficial because one downfall is redeeming the cashback. You have to have a minimum before you can apply it to your balances, or you can get giftcards with it. I do so much of my shopping on Amazon that I almost always pay some of it with the Discover CB.

    The customer service has always been excellent, their call centers are based in the US which I like, and overall have been very happy.

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