***Official what credit cards you have thread 2021***

[Cladyclad]

I got 15 of them thangs

1. Chase Sapphire 18,900
2. Comerica 9,000
3. Barclays 5,500
4. PayPal 3,500
5. Merrick 1,600
6. Neiman 1,500
7. Capital One Buypower 1,250
8. Apple 1,000
9. Amex 1,000
10. Amazon 890
11. Meijer 750
12. Target 500
13. Capital One Union Plus 500
14. Capital One Secure 300 (first card)
15. TJ Maxxx 200

Yes I’m bragging. But I just want to let brehs know that Capital Secured card was my first card 8 years ago. And now look. Just be responsible. My score 788 and will be 800 once my loans are reported paid off

 

[jaydolf spitler]

Man I got referred by my wife for a chase card and I got points on points especially cuz I started racking them up right before the pandemic. I been dying to travel

 

[gangreen]

Discover
Amex
Capital One
Chase Freedom
Citi Double Cash
Amazon Visa

 

[BaileyPark31]

Why?

Because when I used to work with an x that was into building personal and biz credit, I never seen a chase signature visa offer less than 5k.

 

[Hungerpain]

Because when I used to work with an x that was into building personal and biz credit, I never seen a chase signature visa offer less than 5k.

Chase Freedom Credit Limit & Benefits (2021) — Pre-Qualify Online - CardRates.com




" Credit Karma data suggests the Chase Freedom cards seem to typically offer a respectable initial limit averaging around $3,000.

More specifically, about 20% of Chase Freedom Flex℠ cardholders reported limits in the $300 to $1,000 range, and another 20% of users obtained limits above $5,000. In general, it appears the minimum limit to be $300, while the maximum limit is around $20,000, although one reviewer reports receiving an initial $24,000 limit."

 

[Cartier Murphy]

Of the ones I keep in daily rotation:

• Amex Green (downgraded from Platinum when the pandemic hit)
• Wells Fargo Amex Propel
• Citi Double Cash
• Discover It
• Amex Blue Cash Everyday
• Goldman Sachs Apple Card
• Amazon Visa
• Uber Visa
• Amex Cash Magnet

The Amex Green card was my primary but I just recently got the WF Propel and the points categories really fit my lifestyle so I’m thinking of making it my go to

 

[CrimsonTider]

Of the ones I keep in daily rotation:

• Amex Green (downgraded from Platinum when the pandemic hit)
• Wells Fargo Amex Propel
• Citi Double Cash
• Discover It
• Amex Blue Cash Everyday
• Goldman Sachs Apple Card
• Amazon Visa
• Uber Visa
• Amex Cash Magnet

The Amex Green card was my primary but I just recently got the WF Propel and the points categories really fit my lifestyle so I’m thinking of making it my go to

Why did you downgrade?

 

[Cartier Murphy]

Why did you downgrade?

I didn’t plan on traveling and I didn’t wanna pay the annual fee. It has enough perks I could’ve justified keeping it but I can always upgrade it later on down the line

 

[CrimsonTider]

I didn’t plan on traveling and I didn’t wanna pay the annual fee. It has enough perks I could’ve justified keeping it but I can always upgrade it later on down the line

Maybe I just need to look into AMEX more. I see people talk about all the benefits but then I see a $500 dollar annual fee and

@winb83 what do you think about Amex

 

[HabitualChiller]

NavyFed Signature GoRewards card
NavyFed 1.5% Cash back card
[Soon] AMEX Gold or Platinum card.

 

[Big Blue]

Capital One Venture
Chase Sapphire Reserve
Chase Freedom Unlimited

I might reach $2K worth of Chase points by the time I can actually travel again.

 

[acri1]

I've always just kept one VISA debit card and one VISA credit card

Can't be bothered to keep track of a bunch of other credit cards I don't need

 

[Sterling Archer]

AMEX Platinum
AMEX Preferred
Discover

I dont do the "bunch of cards" thing.

 

[Smashius Clay]

Citi double cash

This is the one you want.

 

[Cartier Murphy]

Maybe I just need to look into AMEX more. I see people talk about all the benefits but then I see a $500 dollar annual fee and

@winb83 what do you think about Amex

If the fees are offset by your spending habits and lifestyle then they can end up being worth it. For example with the Plat card there’s a monthly Uber credit for like...$15 I think, where you can either use it for rides or Uber Eats. So it’s $15 a month and I think $20 in December, so that’s about a $200 value out of the $550 annual fee right there. It can kinda pay for itself depending on how you live, but if I’m being real I signed up for it in my early 20’s without really considering the fee or caring and i don’t really travel like that either which is the main perk of having it, the allure of having the card and its spending power drew me in. A bit foolish but I was young so live and learn I would prefer to just cash out my points and close the account at this point but I don’t want my score to take a hit so I compromised and downgraded it instead.

TLDR: Generally speaking I’d avoid cards with annual fees unless your spending habits can offset them and you’re able to reap the perks they come with