top 3 credit cards

I've never had a problem with Discover, cash back & their customer service is top of the line.

I use a Citi Card mastercard. Pays back 1% on every purchase

Chase freedom is solid. 5% back on certain categories like gas, restaurants, groceries, movies, etc every quarter. 1% back on every purchase. They don't give you a big credit line though.

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I use a Citi Card mastercard. Pays back 1% on every purchase

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That's a shite arse card.


Almost every rewards card will give you 1% back as a baseline.

I think the best set up is pen fed for gas 5% cash back.

Then a rotating one for 5%.

Also, churn that shite for bonuses if you don't get a loan. ex, already have a house etc.

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If I were just starting out and not loyal to one airline and traveling as much as I do... It would be chase sapphire with the chase freedom to supplement it

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True, I forget many of y'all are big travelers, I'm not.

I'm not a big traveler.

I use AMEX Blue Cash preferred. It's pretty good with the 6% cash back on groceries. I will pay for the $75 annual fee easily.

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It's pretty good with the 6% cash back on groceries

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this and 3% on gas. easily got $1500+ back last year.

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It's pretty good with the 6% cash back on groceries


this and 3% on gas. easily got $1500+ back last year.

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Why not add pen fed gas card? 5% on gas YEAR round.

It's a $20 1 time fee that donates to a charity. Then $5 to a checking account type thing.

The 5% is put into your account automatically each month.

No annual fee.


Seems the ultimate set up.

That amex that givs 6% cash back on groceries, 5% pen fed for gas, citi forward for restaurants (5 point per $ spent, but the redeem rates turn that 5 points into a hair over 3% on restaurants), and a almost any travel card that gives 2% on travel.

Every week. How do I upgrade

Can you downgrade before 13?