My Favorite Credit Cards

  • Click here to find these cards. Or here’s a category breakdown:
BankName of CardTypeAnnual FeeTypical Sign-Up BonusWhy?
ChaseFreedomVisaNone10,000 Chase Ultimate Rewards points after spending $500 on purchases within the first 3 months of opening your account5% quarterly categories, baby! What other card earns 5 United/British Airways miles or Hyatt points per $1 spent with NO annual fee?

When used in conjunction with the Chase Sapphire Preferred and/or Chase Ink Plus, it gains superpowers.

A forever keeper.
ChaseFreedom UnlimitedVisaNone15,000 Chase Ultimate Rewards points after you spend $500 on purchases in your first 3 months from account opening1.5 Chase Ultimate Rewards points per $1 spent on purchases with NO cap.

An amazing deal if you pair if with the Chase Sapphire Preferred or Chase Ink Plus.
ChaseSapphire PreferredVisa Signature$95 (waived 1st year)50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your accountThe original workhorse, and still the best all-around points credit card.

Powerful, valuable points, a great shopping portal, and a few promos here and there.

Highly recommend to anyone.
ChaseInk PlusVisa Signature$95 (waived 1st year) Earn 60,000 bonus Chase Ultimate Rewards pointsafter you spend $5,000 on purchases in the first 3 months from account opening5X Chase Ultimate Rewards points for office supplies, phone, internet, and cable: wow.

This card has been a points-earning machine since Day 1. Love it!
ChaseInk CashVisa SignatureNone20,00 Chase Ultimate Rewards points after spending $3,000 on purchases within the first 3 months of opening your account
Same 5X categories as the Chase Ink Plus, but also 2X at restaurants... and NO annual fee.

Limit for 5X is "only" $25K.

Needs Sapphire Preferred or Ink Plus to transfer to airline and hotel partners, but a good no fee option.
ChaseHyattVisa Signature$75 (waived 1st year)2 free nights at ANY Hyatt (sometimes with a $50 or $100 statement credit) after spending $1,000 on purchases in the first 3 months of opening your accountFor $75, you get an award certificate to use at any Hyatt Category 1 through 4 hotel. I've used these for outsized value.

Platinum status is occasionally useful.
ChaseIHG Rewards ClubWorld MasterCard$4970,000 IHG points (targeted offers exist for 80,000 IHG points, and sometimes a statement credit) after spending $2,000 on purchases within the 1st 3 months of opening your accountA free night each year at ANY IHG hotel, regardless of category for $49. That's awesome!

Plus, I got Spire Elite status from the sign-up bonus alone!
AMEXPlatinum CardAMEX$45040,000 AMEX Membership Rewards points (there have been targeted offers for up to 100,000 AMEX Membership Rewards points) after spending $3,000 within 3 months of account openingYeah, I know. Hefty fee. If you use the benefits, it's worth it.

The Centurion Lounges are the best lounges domestically, and the annual $200 airline credit is handy.

AMEX needs to add something more to this card to keep it worth its salt, but it still has a lot to offer.
AMEXEveryDay PreferredAMEX$9515,000 AMEX Membership Rewards points after spending $1,000 on purchases with your new card in the first 3 monthsProbably my fave after the Chase Sapphire Preferred.

Earns up to 4.5X AMEX Membership Rewards points at grocery stores, 3X on gas, 1.5X everywhere else with 30+ purchases each month.
CitiAAdvantage Platinum SelectMasterCard$95 (waived 1st year)30,000 AAdvantage miles (sometimes goes up to 50,000 AAdvantage miles) after making $1,000 in purchases within the first 3 months of account openingGet 10% of your American Miles back, up to 10,000 a year! That's worth $200 right there.

Citi Price Rewind is an industry leader in purchase protection, IMO.

Also, great retention offers.
CitiPrestigeWorld Elite MasterCard$45050,000 Citi ThankYou points after $3,000 in purchases made with your card in the first 3 months the account is open
An amazing card.

Citi has been revamping their ThankYou points program for a few years now, and this card is the crown jewel.

Lots and lots of benefits: $250 annual airline credit (good on ANY airline) 4th night free on hotel stays, 3 free rounds of golf a year, 3X Citi ThankYou points on hotels and airfare, and 1.6 cents of value on American Airlines flight bookings.

If you use the benefits, get outsized value.
CitiHiltonVisa SignatureNone40,000 Hilton points after making $1,000 in purchases within the first 4 months of account openingNO annual fee, Hilton Silver status, spending thresholds for status if you're into Hilton.

Good to keep points from expiring, age credit accounts, keep up relationship with Citi.
DiscoverItDiscoverNone$50 statement credit after first purchaseDOUBLE CASH BACK for new card members after the 1st 12 billing cycles.

Get up to 30% cash back with quarterly bonus categories. Get an easy $600 the 1st year.

No annual fee and no forex fees.

A no-brainer if there ever was one.
Elan/U.S. BankFidelityVisa SignatureNoneNone (goes up to $100)My fave cashback card.

Easy, no BS 2% back on every purchase.

Eligible for AMEX Sync offers on Twitter.

All-around great card.

 

Are there any you’d add to (or take off) this list?

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Comments

  1. Okay so don’t know if you can respond to this or not. I had the Founders card for 2016 and the main benefit I used was the Total Rewards for Diamond status. Well I renewed for 2017 but when I tried to update my status on Total Rewards for 2017 it stated I had already used this option and it would not allow me to do it. I contacted Founders card and they were not very helpful. They did refund some of my money for the card but kept $100. I didn’t think that was fair but was happy to get back what I did. Has anyone else had this experience.
    thanks,
    Steve

    • The same thing happened to me. They told me the benefit is set to auto-renew and that’s why it says you’ve already redeemed it.

      They also said it takes a week or two for Caesars to update your account online. Because it’s already March, it might’ve already happened. But if not, I’d say give it a couple more weeks and you should be good to go. Hope that helps!

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