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  #1  
Old 10-12-2015, 01:31 PM
culito culito is offline
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Default Best credit card?

The service i've been receiving from my credit card company is making me look elsewhere. I have been with them 15 years and it's time for a change. Who is the best? Who has the best points program? Thanks!
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Old 10-12-2015, 02:20 PM
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There are many "best" companies, depending on what you want. I have heard frequent analysis of cards by folks like Consumer Reports. You'll need to look for one of those reports. It is worse than a caliber discussion
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Old 10-12-2015, 02:23 PM
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Quote:
Originally Posted by culito View Post
..... it's time for a change. Who is the best? Who has the best points program?
My local credit union was the answer for me.

They make all the decision here in my town and I can even pay the account there in person. They also handle LOCALLY any disputes, problems, questions, etc. ...... even called me a month or two ago about a potential fraud.

Much better service than a toll free number and chat with someone who barely speaks English.
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Old 10-12-2015, 02:23 PM
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The best were the ones I paid off and then put in a shredder.

Last edited by ordy; 10-12-2015 at 02:24 PM.
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Old 10-12-2015, 02:31 PM
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Several, all good, I have a Visa, a Mastercard and a Discover and have paid ZERO interest on all three for the past 18 years. That's what you call a good credit card.
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Old 10-12-2015, 02:35 PM
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Originally Posted by hoc9sw View Post
There are many "best" companies, depending on what you want. I have heard frequent analysis of cards by folks like Consumer Reports. You'll need to look for one of those reports. It is worse than a caliber discussion
True. Some people get ones that pay miles, I dont need miles. Others you get cabelas points + discount, I rarely shop there. I have chase sapphire preferred, annual fee $95 but great customer service. They have what I need and want, im simply.looking for points and a company to stand behind my purchases.

I believe ny interest rate may be 13% no idea, I never pay it. Im sure I can get it lowered but Ive never bothered since I dont need it.
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Old 10-12-2015, 02:35 PM
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I don't want no stinking points!
And I don't want merchandise (junk).
I want money!
Don't trash me, cash me!
Look for a cash back card with no annual fee.
Interest rate not that important to me, I pay it off.
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Old 10-12-2015, 02:45 PM
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The best were the ones I paid off and then put in a shredder.
I agree! To me the best credit card is the one you pay off every month.
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Old 10-12-2015, 03:10 PM
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Fidelity's Visa will put 2% into your investment account, with no annual fee. Since I run more than $30,000 thru my cc every year, that's $600+. I'd bend over to pick that up.

USAA Visa offer's up to $1.25 cash back, but it's a sliding scale. They're an excellent company, in general, and I carry one of their cards which I use for certain things.

SAM's Visa has a 5% cash back, but it's not automatic -- you have to pay a fee to be in the program (and be a SAM's member). I forget what the fee was, but I basically broke even on my first purchase, and have been getting 5% back on everything I buy at SAM's since, which is quit a bit for both home and business.

Now days, I make money on my credit cards. But it wasn't always that way. I took my wife and I 10+ years to lean not to carry a balance. Even though, from the start, we could of payed them off every month. Young and stupid. Thousands wasted on interest.
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Old 10-12-2015, 07:39 PM
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If you have the military background for USAA membership, they pretty much offer excellent deals and have been highly rated. They do Visa, MasterCard, and American Express. You can do points or cash back and believe me they offer interest rates lower than what they advertise. Just depends on what you want, need, and qualify for. The best cards are the ones that are paid off each month and let you earn cash back for doing it.
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Old 10-12-2015, 07:45 PM
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I still have a Bank Of America VISA which pays 3% on Gas, 2% on things like groceries, food, and 1% on everything else. I do not like BOA as they closed all the facilities in our city, but when my CC was hacked, they replaced it within 3 days, and when I went to Italy there was no extra transactions fees. I never carry over a balance, so I haven't paid any fee's ever and I can't even tell you what the interest rate might be.
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Old 10-12-2015, 11:55 PM
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American Express
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Old 10-13-2015, 02:00 AM
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Quote:
Originally Posted by culito View Post
Who is the best? Who has the best points program?
Its impossible to say in your case. You have provided ZERO information about what you are looking for in a card, and what your credit situation/useage is.
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Old 10-13-2015, 07:08 AM
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I agree with the Pilgram. But my oldest brother flies a lot, so he has a mileage card. He said it is the equivalent of 5% back. I don't fly, so I go for cash back.
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Old 10-13-2015, 08:42 AM
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I've used all the majors. Discover has by far the best customer service and account monitoring tools. If you want to talk to someone you can do so without going through a myriad of button-pressing menus, and the times I have talked to someone they have all been intelligent English speaking Americans.

I particularly like the tools that I can set up with my desktop or mobile app. A text or e-mail message can be sent whenever the card is used or at any particular $ level or above I chose, card is used outside the country, by phone or online, cash advance, or if the card has exceeded a certain amount. All these things are user settings. You can chose which ones you want and set your own criteria. Also you can shut off your card and turn it back on.

Cash back is 1% for everything no limit. Each quarter there are different 5% cash back categories. One quarter will be gas purchases, the next will be restaurants, then home improvement stores. Right now through the end of the year it's 5% at department stores and Amazon.

There's also Discover "Deals". If you use the Discover portal to get to an online seller there's 5-10% off and sometimes more from places like Best Buy, Walmart, Ace Hardware, Kmart, Home Depot, JC Penny, Sears, Walgreens, and tons more.

I use two other cards that fill the gap on cash discounts. Like my Amex Blue card I get 3% on groceries and 2% on gas. But Discover is the main card I use.

Last edited by ChattanoogaPhil; 10-13-2015 at 08:55 AM.
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Old 10-13-2015, 07:52 PM
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Discover is a great card, I've been using one for several years now, I opted for the cash back offer. AMX is still the card I go to when traveling or making large purchases; I generally end up with enough "bonus" points by the holiday season to get gift cards for all the S.I.L.'s.
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Old 10-13-2015, 07:55 PM
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Another vote for Discover, I charge EVERYTHING on it and really rake in the cash back bonus awards. At the end of the year you get a statement showing each category and what you spent on it. For medical deduction on the income tax it can't be beat.
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Old 10-13-2015, 08:01 PM
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Both Visa and Mastercard are OK, and the difference in service is a function of the issuing bank, not necessarily whether it is Visa or Mastercard, or something else. My wife and I have one of each and use both. Both have the 1% cash back, or the equivalent in gift cards, and occasionally special deals. Have been using both for a lot of years, always pay them off via direct draft every month.
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Old 10-13-2015, 08:02 PM
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Quote:
Originally Posted by THE PILGRIM View Post
I don't want no stinking points!
And I don't want merchandise (junk).
I want money!
Don't trash me, cash me!
Look for a cash back card with no annual fee.
Interest rate not that important to me, I pay it off.
American Express through Costco. Only problems are not everyone takes it.
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Old 10-13-2015, 08:14 PM
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My wife and I have a rule , if you buy it on credit , you better have the money to pay it off when the bill comes. That being said , we pay for just about everything on the card. We earn points and use them. Air fare , for vacation , paid for by points. Our stay at the Hampton , paid for with points. We pay the card off every month and have never paid interest . We travel , we eat , and get a warm bed for free. Whats not to like.
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Old 10-13-2015, 08:14 PM
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American Express through Costco. Only problems are not everyone takes it.
Costco is dumping Amex in favor of Citi Visa. It looks like their agreement with Amex ends on March 31, 2016.
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Old 10-13-2015, 09:44 PM
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Amex and Visa for me, no problems so far.

Not meaning to cause thread drift but how did you come up with that screen name?

Steve W
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Old 10-13-2015, 10:30 PM
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I like Amex and Discover, especially Discover is nice with their cash back. I buy gas on it and pay it off monthly. Then get a statement credit which takes it down even further.
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Old 10-13-2015, 10:41 PM
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Currently my favorite CC is the Costco Amex Card - but that will soon be replaced by Costco in March with their new Costco Citbank Visa Card. Costco gets the best deals on CC's and they give you the HIGHEST & BEST points.
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Old 10-13-2015, 11:07 PM
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Originally Posted by mtgianni View Post
American Express through Costco.
Costco has already announced that they are dropping their connection to American Express, effective early next year.
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Old 10-14-2015, 07:37 PM
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I've had a Discover card for the past 10 years or so and have been very pleased with them. Unbelievable customer service.
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Old 10-16-2015, 01:26 AM
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Been exceedingly happy w/Citi and the ThankYou Preferred card. Points are decent, free FICO every month and $0 charge/yr.
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Old 10-16-2015, 12:21 PM
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I have 2 large bank issued Credit Cards ( I totally refuse to get a debit card) Anytime I have had to call about something I get a honest to goodness person that speaks “American’’ English and seem to have no problem answering my question or concern. Their offices are physically located in this country!

Their rates are decent I suppose but as I pay in full each month I really do not care. I get cash back, so every now and then I have them post it to my card account and get a much smaller bill.

In September one card had an offer of 25% more points added to your transaction amount for that month. I had a whole house generator system and another large purchase that month so I put them on that card. To be honest I was surprised the generator company would take a card for the whole shot as they pay about 2% to the company, but they did and I took full advantage of it!
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Old 10-16-2015, 01:36 PM
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I was a bit surprised to see all the positive comments about Discover.

In my part of Florida, at least, I really don't know any place that takes Discover. I suppose some stores at the malls may do so, but we never go to the malls.

I have 4 cards and really am thinking of dropping two. I would keep my Cabela's as I really like their customer service, talking to am American in English.

I also would probably keep my Capital One card since I have had it since about 1975ish. It pays me money when and if I use it.

Bob
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Old 10-16-2015, 01:38 PM
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Thanks for all the great info everyone !!
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Old 10-16-2015, 02:55 PM
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Cabela's Visa. You get enough back for some of the shooting necessities without having to fly anywhere.
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Old 10-16-2015, 03:41 PM
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Quote:
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Amex and Visa for me, no problems so far.

Not meaning to cause thread drift but how did you come up with that screen name?

Steve W
Crossed my mind too. I got a ding one time for using what a mod thought was a naughty spanish word.
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Old 10-16-2015, 05:00 PM
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My vote goes to Discover. Excellent customer service. Easy to track. Lots of options. A couple of years ago, someone hacked my number and bought over $5,000 of furniture. I was alerted by Discover, I disclaimed the purchase, and I had a new card with a different number by FedEX express in one day. I usually call them when I'm going out of town to be sure they will accept charges from where I'm going. I get alerted when my balance exceeds a certain amount, and I can see my purchase history on line with no hassle. I can pick the day I wish to pay off my balance. I believe Discover has been rated tops in customer service for several years running, and I can see why. I've always paid my balance in full each month, and I've never had a service or interest charge. Plus they have a nice cashback bonus plan. Amazon is keyed into it, and when I buy a book or whatever on Amazon, I usually find my cashback amount sufficient to cover it, so it's like getting it for free. Nice to encounter a company that does things right, for a change.

John
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Old 10-16-2015, 05:34 PM
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Default There ARE no good.....

There ARE no good credit cards. Except maybe one you pay off every month.
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Old 10-17-2015, 09:27 AM
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Default Pay off every month.....

We had American Express for our business expenses and it worked very well for traveling but a lot of places wouldn't take it because it was hard for business to get their money. Maybe things have changed. We had to account our expenses every month to pay it off. Some people got a little (!) carried away with it and lost their jobs. The company wasn't completely innocent because they issued them arbitrarily and just said, "Use them". They didn't ask anybody if they couldn't handle it.
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Old 10-18-2015, 06:43 PM
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Default Cabela's

Since this credit card question was posted on the Smith and Wesson Forum, I will say that if you have a card from such a place as Cabela's, the points you earn can be used to buy things that go "bang".
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Old 10-19-2015, 12:13 AM
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best card is no card
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Old 10-19-2015, 12:25 AM
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Quote:
Originally Posted by Arney View Post
best card is no card if you can't control yourself
There, I added to your statement to make it correct.

I used to be all about "no credit cards". Then I learned that they can be great for someone that isn't using them for things they can't afford.

I pay for my daily purchases through my Capital One card. I no longer worry about someone having access to my own money through the use of my debit card. End of the month it gets paid off. Like clockwork.

I get 1.5% cash back for all purchases. This year I bought me a new gun from my cash back points. A new gun for spending habits that are not changed. Free money IF you are smart about it!
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Old 10-19-2015, 12:56 AM
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Quote:
Originally Posted by mtgianni View Post
American Express through Costco. Only problems are not everyone takes it.
I was trying to describe the card I like, not name one!

I have a Discover, a Samuel L Jackson Capital One,
A USAA MasterCard and a USAA Amex - all cash back!
I don't want any points, Miles, coupons, etc.
Just cash!
I also don't have to pay anybody- like Costco to get the card.

Problems with customer service?
I don't actually deal with them that often.
But if I have a problem that I can't resolve pretty quick, I will close that *** faster than- are speeding bullet!
When you have good credit and several cards, you are in control.
So show those folks that you do control your personal finances.
They want to bully you, don't let them!
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Old 10-20-2015, 12:24 AM
Arney Arney is offline
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Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Nov 2013
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Quote:
Originally Posted by mclark202 View Post
There, I added to your statement to make it correct.

I used to be all about "no credit cards". Then I learned that they can be great for someone that isn't using them for things they can't afford.

I pay for my daily purchases through my Capital One card. I no longer worry about someone having access to my own money through the use of my debit card. End of the month it gets paid off. Like clockwork.

I get 1.5% cash back for all purchases. This year I bought me a new gun from my cash back points. A new gun for spending habits that are not changed. Free money IF you are smart about it!
I admit I do use the card but as you always pay off the balance monthly......
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