(Closed) Favorite Credit Cards?

posted 5 years ago in Money
Post # 2
8442 posts
Bumble Beekeeper
  • Wedding: April 2013

Honey2002:  I think it depends on your spending habits (i.e. do you travel, have certain stores you shop at, etc).  My husband and I like the Citi Thank You card because it gives us back rewards at a few places, plus it’s very straightforward.  I think our credit was in the low to mid 700s when we applied.  I don’t think we’ve ever had to call customer service, so I can’t really answer that part.  Hope this helps 🙂

Post # 3
963 posts
Busy bee

I’m not sure if you’re in Canada or not, but I use the BMO Humane Society air miles master card. It’s free annually, and I get 1 air mile for every $20 I spend. They also donate to the Humane Society every time I use my card – this doesn’t come out of my pocket, it comes from the bank. I dont’ know how much gets donated per transaction, but the HS makes a lot from it. 

I signed up when they offered a bonus of 600 air miles with the application. My credit limit is something like 18,000. But it started off at like 8-10.

Post # 4
2890 posts
Sugar bee

I’m using a low-interest Visa card (Modulo) which is 9,99% if you pay annual fees of 50$. I don’t carry a balance and I never pay interest, but when I took the card, I did have a balance and I was in a tough situation (just broke up with my ex, needed to move out, didn’t own any furniture, etc.). I thought it was worth spending the annual fee in case of emergency, in case I had to carry a balance (because if that happened, at least it wouldn’t be 17 or 20% of interest fees). It was a prudent and strategic decision. The card also comes with 1% reward, which I only started using strategically when I finally got my balance under control. In 13 months, putting every grocery and gas purchase on it, I’ve accumulated over 120$ in rewards. This is money I can use toward plane tickets (ex.: for our honeymoon) or just put in a retirement fund or use for other financial services.

I wouldn’t say it’s the best card, I’ve heard BMO and CAA (if you’re in Canada) offer better reward plans, but my Modulo is perfect for my needs. I had a score of 753 when I asked for it, I simply traded this card with the one I previously owned. Since they were both Visa (Modulo was like an upgrade), it didn’t erase my credit history, thankfully because it is my oldest credit, I got my first card at 17. 

Post # 5
3101 posts
Sugar bee

Honey2002:  I love Chase Freedom!  I get around $25-$50 every month in cash back rewards deposited straight to my account.

Post # 6
1300 posts
Bumble bee
  • Wedding: August 2015

I use the Citi Thank You Card, and I really like it! You earn points for every purchase, for paying on time, for staying within your credit limit, and maybe some other things.  The points are very versatile.  You can trade them in for items, you can use them to shop directly from an online store (I use them to get things from Amazon all the time), or you can use them to credit certain items on your bill – so essentially as a credit toward your balance.  The also automatically raised my limit a few times as a reward for good use, so that’s helpful in building your score.

Post # 7
14691 posts
Honey Beekeeper
  • Wedding: June 2011

My go to card is Bofa Cash rewards. I use my credit card for everyday expenses – gas, groceries, pharmacy and it has the best cash rewards I could find for that (3% gas, 2% groceries/pharmacy).  Chase Freedom and Citi Thank you, as well as Discover, is good for their rotating 5% categories.  They all also have bonus merchant rewards, I think discover is the best for that though.  They have upwards of 5-10% on places like Macys, Target, Kolhs, etc.  I have a lot of cards (I think 5) and just use whatever has the best rewards and my credit score is over 750.  I rarely have to call customer service, but have a few times for fraudulant charges and to notify them of travel so they dont block my card and have never had any issues.

Post # 8
10452 posts
Sugar Beekeeper
  • Wedding: February 2014

I have an Aeroplan rewards Visa and AMEX. Every penny I spend earns me flight reward points. Thy also usually have a free flight worth of points sign up bonus. 

I have no idea what the interest rates or anything are, because I always pay my full bill every month. And I also have no idea what my credit score is because I’ve never had an issue signing up for a credit card or our mortgage. Those are the only credit services I’ve ever had. 

Customer service on both of them is pretty good, but I rarely have to call. Mostly just to activate a new card or to tell them I’m going traveling. In those instances the calls are quick and easy. 

Post # 9
604 posts
Busy bee
  • Wedding: November 2013

I second the recommendation for a Chase freedom card.  I also have an IHG rewards card.  IHG is the Holiday Inn/Crowne Plaza/Intercontinental hotel chain.  Both cards are great.  \

I get cash back with the  Chase Freedom card and they add up pretty fast.  There is no annual fee.

The IHG card is also through Chase.  There is a $50/year fee but you get a free hotel night every year.  I’ve only had it 2 years so far and the hotels I’ve booked using my free night both cost way over $50/night.  They also give you like 60k in points when you sign up…that’s enough for 2-3 hotel nights.  Plus they don’t charge an exchange fee on foreign purchases.  It’s a great card if you travel.

My score is in the mid 700s.

Post # 10
2808 posts
Sugar bee
  • Wedding: September 2014

i have terrible credit (which i’m working on fixing), and therefore don’t have any credit cards. however, my parents love the chase freedom card. they each have one.

i know that my grandfather prefers one that will give him airline miles, because he travels a lot. FI’s parents are the same way.

Post # 11
1784 posts
Buzzing bee
  • Wedding: June 2014

We use our Chase Freedom cards all.the.time. However, I did just get my Citi Diamond Preferred card which I also like a lot – however, their average approved credit score for that card is high (over 750).

This link is SUPER helpful.



Post # 12
345 posts
Helper bee
  • Wedding: December 2016 - Presidio Log Cabin

I’ll chime in on the Chase Freedom card too – it’s awesome! You get 1% cash back always, and then every quarter you get extra 5% cash back on specific services/retailers (things like gas, movies, restaurants, amazon, etc). It’s fun how it always changes. It’s also interest-free for the first year, which is nice. My credit score is mid-700s as well. Hope this helps!

  • This reply was modified 4 years, 9 months ago by  kellykapoor.

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