The 7 BEST Credit Cards for a Single Card Setup

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The 7 BEST Credit Cards for a Single Card Setup

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Stan The Credit Frog

Күн бұрын

Пікірлер: 177

@LukesPointsandMiles 3 ай бұрын

I’m absolutely love these exercises. I’d like yo test this sometime. I bet it’s way less stressful.

@TheCreditFrog 3 ай бұрын

For sure Uncle Luke! Yeah, it would be interesting to see how many benefits you could stack on one card!

@SpartanOfFinance 3 ай бұрын

Lets not overlook the Redstone FCU Visa. 5% on restaurants and gas purchases, 3% groceries, discount stores, wholesale clubs, utilities, phone and streaming services and 1.5 all else with 7k caps on each those bonus categories. Especially useful for those that shop Wal-Mart, Target and Costco. But as for me, I use the USBAR and it is by far the best and most used card I have in my wallet. Another great video from Dr Strange..I mean Stan 😁

@TheCreditFrog 3 ай бұрын

Definitely a great card FDF! I think this card is probably better used as an accessory card since the catch-all multiplier isn't as good, but I will say it's a powerful one-card setup if you spend within the multiplier limits! Glad you're on board with the USBAR train - it's a good one to be on. And I guess I have my Marvel avatar picked out for me at this point, haha 👍!

@newagain9964 3 ай бұрын

@@TheCreditFrogI got Wyndham biz earner for utilities (and as 🎉card). So redstone is not needed, but solid card tho for a simple 2-4 card setup.

@DugrozReports 3 ай бұрын

That is a pretty good 2 card combo!

@qcman2000 3 ай бұрын

Fidelity 2% people outraged by this list 🙂. The rare 2% NAF card w/no FTF. Excellent video overall as usual 👍🏽.

@TheCreditFrog 3 ай бұрын

Haha! I heard that it suddenly has no FTFs now, which is awesome! But I will say that there are some other great options as a 1-card setup! Thanks qcman!

@isao_the_2nd 3 ай бұрын

@@TheCreditFrog doesn't the fidelity card charge a 3% FX fee?

@TheCreditFrog 3 ай бұрын

@isao_the_2nd Apparently it does not. It was changed recently and now it has no FTFs!

@isao_the_2nd 3 ай бұрын

@@TheCreditFrog I think other flat rate cards out in the credit card market, such as: the double cash, freedom unlimited, active cash, (e.t.c), can learn a thing or two from some of these top notch fintech companies

@yurig2530 3 ай бұрын

Another good catch all is Hilton Business card, which has negative $45 EAF, and 5x on everything.

@TheCreditFrog 3 ай бұрын

Yup! This card could be amazing if you loaded tons of spend on it. I still think the Surpass is a better option with that $15k FNC, but Business + statement credits can work out to be better than that with higher spend!

@yurig2530 3 ай бұрын

@@TheCreditFrog I have both and Aspire, but I'm planning to have 3 aspires.

@jujus_reviews 3 ай бұрын

I feel it’s not worth it since the free night was removed. I used it last year very often and used a bunch of points for a family trip this year. May look into the surpass to replace it if there’s a free night sub

@TheCreditFrog 3 ай бұрын

@@jujus_reviews I feel the same way. Once my time with the Business is up, will be moving over to Surpass

@yurig2530 3 ай бұрын

@@TheCreditFrog I just got renewal at $95. Will probably keep it for another year to collect $240 +5x. Working on a free night right now

@ProfessorWambsgans 3 ай бұрын

Small correction - SoFi 2% card doesn't have Foreign Transaction fees. Also, if you bank with them, it's effectively 2.2% cash back. That being said, your other options look better in many ways.

@TheCreditFrog 3 ай бұрын

Thanks for the corrections. I can never get that card right, haha!

@Nanchara_Kanchara 3 ай бұрын

Fidelity recently got rid of the FTF on their card too. That’s a pretty good option although I’m not a huge fan of Elan as an issuer.

@TheCreditFrog 3 ай бұрын

@@Nanchara_Kanchara Oh that's great to know! Thanks for letting me know. Things change so fast - it's hard to keep up, but it's nice that there are a lot more 2% catch-all no FTF options to consider!

@jimmyjames6492 3 ай бұрын

Great one card options! I like the Venture X and Hilton Surpass. Thanks for the info + video!

@TheCreditFrog 3 ай бұрын

Of course, Jimmy James! Two great cards right there!

@MannyCovington 3 ай бұрын

This is a great guide for those people who don’t want/don’t have time to juggle and think about each card to use for each purchase! Definitely helpful!

@TheCreditFrog 3 ай бұрын

Absolutely Manny! Great to hear from you man, it's been a minute, haha! It's definitely a nice thought to have only one card to do it all! I don't think we're there yet, but with the cards on this list, you could get pretty close!

@M2K-01 3 ай бұрын

Citi Premiere is a good card as well.

@TheCreditFrog 3 ай бұрын

It sure is, that's why it made my list!

@user-ey7hy8xm6x Ай бұрын

The US Bank Altitude GO card is often overlooked, but would be perfect for a 1 card setup. 4x on dining, 2x on Gas and Groceries, $15 annual streaming credit, No AF, and No FTF. If I could only have one card, this would be the one based on my spending.

@TheCreditFrog Ай бұрын

For sure! That's a great card to use, especially with that 4X dining multiplier which is a popular spend category for almost everyone! I wish it had a higher catch-all multiplier since cards like the Redstone FCU has 5% cash back on restaurants and 1.5% cash back on everything else, among other categories, in a no annual fee, no foreign transaction fee package.

@MattWelterOfficial 3 ай бұрын

Love this strategy Stan! I feel like it's been more commonplace in the Credit Card game recently to work on making your setup more lean and subtracting instead of adding from the amount of benefits & cards you have to keep track of. The Venture X is a great option as a One Card Setup, with being a Catch All Option, Travel Option & some luxury-type benefits like Lounge Access, Premier Hotel Collection, etc. The Citi Premier could be an interesting one as well with how well-rounded the multipliers are + the Citi Travel upside. Great video as always!

@TheCreditFrog 3 ай бұрын

I totally agree Matt! That trend is simplification not diversification! At least, that's what I'm doing, and I'd like to think so, haha! I know you're on Team Travel so the VX and the Citi Premier are two excellent options. Maybe one day you'll see the light and go with USBAR/BofA PR Elite, but I dunno, not likely in the near future since I know you want to get a lot of transferrable currencies first. Appreciate you bro!

@docsays 3 ай бұрын

Hey Stan Sorry i just now got a chance to watch this video. Another less mentioned No AF catch all card is the PayPal Business card. Same 2-3% as personal card, but NO FTF & cell phone insurance. But i had to pick only 1 travel card it either be the CSP or AmEx Green. Both low AFs & some insurance protections. The new strata premier would also be a good option, but i prefer URs or MRs above TYs

@TheCreditFrog 3 ай бұрын

Ooh, that's awesome! Nice catch! I never considered the Paypal Business card, but that sounds like a much better version that the personal one! Yeah, it's going to be interesting to see which one comes out on top. I think the Strata Premier has the best all-around categories, but another option is the WF Autograph, which can (almost) do what the Strata Premier can but for no annual fee!

@GudeaTW 3 ай бұрын

The Bank of America Travel Rewards card is another good choice - no annual fee, no foreign-transaction fee, Visa (universal acceptance). With preferred rewards, it just becomes overpowered. The Premium Rewards card is a bit better, but some might be averse to paying an annual fee if they want to just have a one-card setup.

@TheCreditFrog 3 ай бұрын

Definitely a great option too! The only issue I have with TR/UR is that UR has FTFs, and TR doesn't, but the redemption method is kind of weird in that it has to be redeemed against a travel/dining purchase. NBD if it's your only card, but if it's catch-all then you'd have to move spend to that card to redeem those points. But you're right for this exercise - another great option as a single card solution!

@devlin76 3 ай бұрын

Great video Stan! A fun thought experiment and some good cards.

@TheCreditFrog 3 ай бұрын

Appreciate that! Glad you enjoyed the video and thought exercise!

@tbark87 3 ай бұрын

A one card setup may be where airline cards, especially AA, shine if you fly a few times a year. Take the AAdvantage Elite. Get Lounge access, Priority Boarding, bags, travel and purchase protections, spend to status and get guaranteed complimentary preferred or main cabin extra. The multipliers stink but the other stuff has value. If you get into the shopping portal, simply miles, and Citi offers it really starts to stretch its legs.

@TheCreditFrog 3 ай бұрын

That's true! I've never really thought about airline cards in that way. I think for me, I would have to be flying like once a week or having air travel be a primary part of my life for me to use an airline card exclusively since the rewards are only going to matter when you fly! The AA example you provided is interesting, and I can see where you're coming from since you can certainly get a lot of value from the AA benefits on that card!

@adame9279 3 ай бұрын

Thanks for all your videos. I like looking at other options on how to run my cards. I think at 12:55 the surpass should say 6x on gas/restaurants/groceries. Thanks again for all your efforts 💪

@TheCreditFrog 3 ай бұрын

Of course! Yeah, that was definitely a typo, sorry about that haha! You're right it should say 6X, my B! Appreciate the support!

@Leoprieto74 3 ай бұрын

Stan, you know me brother,.. if I can only have one card and one card only,.. you know which one that card will be….cheers brother 🥂

@TheCreditFrog 3 ай бұрын

LOL! I want to say the beautiful Ritz Carlton ... but I don't know you love the Aspire and Brilliant too.

@Leoprieto74 3 ай бұрын

@@TheCreditFrog I LOVE those three cards which I have two of them already and I will have the beautiful Ritz Carlton later this year. But if i would had a girlfriend or a wife and she started controlling everything and gave me an ultimatum to only have one card I would have to choose the beautiful American Express Platinum Card! Don’t Live life Without It! 💕

@TheCreditFrog 3 ай бұрын

@@Leoprieto74 LOL. Damn, I was off (not too far off). I agree! All hail big daddy Platinum!

@StupidGoodProduction 3 ай бұрын

The fidelity 2% card has no foreign transaction fees

@TheCreditFrog 3 ай бұрын

Thanks! Yeah, that's a nice option to use as a 2% catch-all card!

@Bayareasvc 3 ай бұрын

For all that can qualify the Navy FCU Flagship rewards card is hands down the best one card setup. Yes it has a $49 annual fee, but it comes with $100 global entry credit, $139 Amazon prime credit, 3X travel and 2x catch all no cap. Oh and it has a potential 80k limit 😱🎉

@TheCreditFrog 3 ай бұрын

Very cool! Yeah, if you can qualify for Navy Federal, their cards are quite good - especially the one you mentioned!

@thejokerspeaks 3 ай бұрын

This is a tough one... Part of me wants to side with BILT because of how well I do on the 1st, but I would have to go with the Altitude Reserve. I don't even have this card, but a potential 4.5% in most earnings can't be beat as a single card setup.

@TheCreditFrog 3 ай бұрын

For sure! Bilt would be a great one, but to only get 2X back 1 day month is a little limting (plus there's a cap on the bonus rewards). I agree though - love the USBAR, and as a frequent user - definitely worth it and super simple and easy to use!

@Thecreditcardconnection 3 ай бұрын

This was so informative and so damn interesting! It really made me think of which card I should get next! Thank you as always Stan!

@TheCreditFrog 3 ай бұрын

Thanks Joe! Yeah, having one card would be super nice for the simplicity so I thought it would be good to highlight those cards that could be good candidates!

@CRSALSERO 3 ай бұрын

Thanks for the information. This is what I would like to do. Keep it simple and one or two card set ups. Unfortunately I have a house and I wish I could use Built especially on Rent day.

@TheCreditFrog 3 ай бұрын

Sure thing! Yeah, having a 1 or 2 card setup is so much nicer to deal with than 5 or more cards. Hopefully, they bring mortgages to Bilt at some point because that would be a game changer!

@chadpennycuff 3 ай бұрын

USBAR for the Win. Toss in a physical cards like C1 duo and you've got a travel earning machine with 3 card. That BOA Premium card with rewards status is also a great contender.

@TheCreditFrog 3 ай бұрын

For sure! USBAR is pretty amazing! I personally run the BofA PR Elite with it, but I can see the draw for the C1VX if you're on Team Travel. I guess if you have a USBAR, you're actually Team hybrid, but you know what I mean!

@newagain9964 3 ай бұрын

@@TheCreditFrogthat’s what makes USBAR great. Even hardcore team cash back see value in it🤯, unlike any other travel cc. - now whether u want to deal with US bank and their nonsense & mediocrity, diff question

@ItsMeCJ 3 ай бұрын

Pretty good lineup here Stan with a few cards I’ve never considered. I haven’t even heard of that Alliant card. My favorite goes to the Venture X but I’m saddened that they’re ending the Hertz President Circle status. That really is a good perk to have. I honestly prefer that over the priority pass lounge access simply because I don’t get to the airport super early.

@TheCreditFrog 3 ай бұрын

Thanks CJ! Yeah, the Alliant card is like the OG credit union card with a pretty high catch-all category. Everyone seems to prefer the VX, but for good reason! A very simple 2X catch-all card. We need to get you to the lounges more!!

@caribdude8151 3 ай бұрын

Yes Sir! Happy Monday! 😊

@TheCreditFrog 3 ай бұрын

Happy Monday to you as well!

@elliottnixon-wq6sp 3 ай бұрын

Nice video. I think a 1 card set up isn’t possible because you don’t want to nuke your credit utilisation and cash back and points cards come with different benefits even if the multipliers are the same. Two cards (one cash back and one travel) is probably the most effective for most people.

@TheCreditFrog 3 ай бұрын

Thanks Elliott! It's true, a one-card setup isn't the best way to maximize and it's better to have more than one to synergize the multipliers and benefits, but one card would make things so much simpler! I agree though - two cards are probably the minimum setup I would run.

@Ritchie_The_CEO 3 ай бұрын

Great cards, Stan! I've been avoiding US Bank but I might have to give them a serious look.

@TheCreditFrog 3 ай бұрын

Thanks Ritchie! Yeah US Bank is one of those that's hard to crack into, but USBAR, Altitude Go, and Cash Plus are super awesome cards for any setup!

@jay-hines 3 ай бұрын

No foreign transaction fees on the Fidelity 2% card! A recent update

@TheCreditFrog 3 ай бұрын

Thanks for the heads up Jay! Wasn't aware of this - really makes the Fidelity 2% card a lot better!

@michaelgrayson409 3 ай бұрын

Correction: Fidelity Visa eliminated foreign transaction fees a few months back.

@TheCreditFrog 3 ай бұрын

Thanks! Yeah, that's a plus for an already simple and easy-to-use 2% card!

@PhilMo78 3 ай бұрын

Since we are ALWAYS working on a SUB (or 2 or 3) we basically do this anyway, but I would LOVE to do a 1card setup for a year and just see how it does. Thanks for the video Stan, always love to see these great ideas.

@TheCreditFrog 3 ай бұрын

Definitely PhilMo! Yeah a 1-card exercise would be super interesting to see how much value you could get! Like that CFU 2X points on all spend for a year welcome offer - that would be interesting!

@krs1905 3 ай бұрын

@@TheCreditFrogI tried to get that offer and Chase told me something something 5/24, sorry, but here’s a hard pull for your efforts.

@krs1905 3 ай бұрын

I’m running this experiment right now. As soon as I’m done with my retention offer with Amex then my Gold Card is getting sock drawed. I’m over 5/24 and gardening until January. I’m enjoying using only two cards right now. $400 to go until the retention offer until complete and my wallet will be flying solo with only a Bilt Rewards Card in it. I’m really enjoying not doing that thing where we try to figure out what card to use.

@TheCreditFrog 3 ай бұрын

@@krs1905 What Bs

@jmbwashi 3 ай бұрын

Nice list here are some more from my list of one and done cards: Delta Skymiles Platinum Costco Anywhere Visa Amazon Prime Visa Verizon Visa

@TheCreditFrog 3 ай бұрын

Thanks John! Pretty great list of cards here as well, depending on the use-case! I'm wondering how you used the Delta Platinum card as a one and done? Was there are target you were aiming for after the welcome offer?

@jmbwashi 3 ай бұрын

@@TheCreditFrog Delta Platinum card is easy to get positive value every year with Hotel credit and Companion pass. Which is easy to do with one trip. Then you get decent multipliers, TSA/GE credit, cell phone protection and all the Delta specific benefits like Main cabin boarding, free checked bags and other. Especially if you combine that card with Skymiles dinning and Skymiles shopping programs you have a pretty powerful Skymiles earning set up.

@TheCreditFrog 3 ай бұрын

Ahh! I gotcha. Yeah, that sounds like a solid plan and by combining all the benefits from the card and Skymiles program, it can make a very powerful ecosystem. I think that's exactly what Delta wants too, so hopefully it can be a win-win for those who fly Delta!

@juanmeowmix1530 3 ай бұрын

I still enjoy my Autograph. I know no groceries are covered but it's a small category for me. Great video.

@TheCreditFrog 3 ай бұрын

Autograph is solid Juan! Yeah, having a NAF card like that cover so many categories is super nice. Luckily, if we just add one more card to cover groceries - you'd be in a very good spot with not that much overwhelm.

@yurig2530 3 ай бұрын

12:58 Surpass earns 6x on gas, groceries and dining (US only), not 4x. It earns 4x on online shopping.

@TheCreditFrog 3 ай бұрын

Thanks for the correction - was a typo!

@candiceabr 3 ай бұрын

Great topic!

@TheCreditFrog 3 ай бұрын

I agree Candice!

@jacquelinedy8899 3 ай бұрын

❤ Wonderful! Thanks for great topic..

@TheCreditFrog 3 ай бұрын

Of course, Jacqueline! Glad you enjoyed it!

@JuanGarcia-hr1wf 3 ай бұрын

USBAR for the 🏆

@TheCreditFrog 3 ай бұрын

🥇🎉

@RobWingader 3 ай бұрын

Thanks for the shout out, Stan!

@TheCreditFrog 3 ай бұрын

Hey Rob! Of course, man. Thanks for breaking it down for us!

@Phlegethon 3 ай бұрын

Venture X what else would possibly be a 1 card setup

@TheCreditFrog 3 ай бұрын

USBAR and BofA PR Elite are alternative options that can work great!

@ctrushfan8575 3 ай бұрын

Hi Stan. The Fidelity rewards card recently dropped foreign transaction fees.

@TheCreditFrog 3 ай бұрын

That’s what I heard! Thanks for the correction!

@boy_named_niel 3 ай бұрын

I disagree with just focusing on the amount of points vs points * points value. Like 5x Hilton points is not better than 4x Amex MR points. I always do the math to figure out what the return in $ terms are. For example the BBP is 2x yes, but since it’s 0.02$ per MR point, it’s a return of 4% back on everything in the US

@TheCreditFrog 3 ай бұрын

I agree, every point is certainly different! You definitely have a factor in the point value (or at least average value) to make a determination if a certain card is right for you!

@ItsMeCJ 3 ай бұрын

I’m going to guess that Amex Rose Gold is at the top of your list….and I’m first.

@TheCreditFrog 3 ай бұрын

Haha! Unlikely! But I will give you one of these 🥈

@jw0ng23 3 ай бұрын

Nice review! I guess your choice is USABR?

@TheCreditFrog 3 ай бұрын

Thanks WongWay! For sure, my choice is definitely the USBAR, hah!

@d.p1304 3 ай бұрын

What about the Redstone Signature visa card and the Navy Federal AMEX ? Better total cashback than all the cards you mentioned.

@TheCreditFrog 3 ай бұрын

Regarding the Redstone Signature VISA - for sure, a lot better cashback! Until you reach the cap, then it's not as good anymore. But I agree, it's still a great card if you want to run it as a one-card setup, especially over a 2% cash back card! Not as familiar with Navy Federal, but should look into their lineup!

@Frederico.Huguenin 3 ай бұрын

$550 Bank of Americard sucks compared to other premium cards, such as the Amex Platinum or Chase Reserve. Though you're getting $300 credit, might as well keep your $550

@TheCreditFrog 3 ай бұрын

It depends how you look at it. While yes, a direct comparison to the Platinum would definitely result in the Platinum being better, it’s the wrong comparison. It should be compared to the PR card at $95. With the $300 and $150 credits on the PR Elite, that’s just a $5 up charge on the Elite. As the CSR/RC cards are losing PP restaurants, the PR Elite is now one of the only cards that has it! Again, it depends on what you’re looking for!

@Frederico.Huguenin 3 ай бұрын

@@TheCreditFrog CSR may be losing PP restaurants but you also get access to a increasingly Sapphire Lounge network. They also have many transfer partners and free memberships with Instacart, Doordash . I think $550 is way too much for the Bank of America premium, considering other cards 💳 I will agree with you in case someone has a money market account with BoFa … in that case it may make sense !

@Frederico.Huguenin 3 ай бұрын

the Chase Ritz Carlton.. $450 gets you priority pass, Sapphire Lounges, $300 travel credit, plus a 85K Night award… 🥇

@TheCreditFrog 3 ай бұрын

@@Frederico.Huguenin Yup! Have it, it’s a great card!

@JulioFeoUNAM 3 ай бұрын

The SoFi credit card has no foreign transaction fees! And gives now 2.2% as cashback, if you are a plus member.

@TheCreditFrog 3 ай бұрын

Yup, thanks for letting me know! Sounds like being a Plus member can also boost those earnings too, which is awesome on a No FTF/ No AF credit card!

@colinyuhl9339 3 ай бұрын

Love my Surpass hard but it can’t be a true 1 card only setup because it’s just not widely accepted enough outside the States. Gotta go with my VX though now with 2 young kids I’m finding cash back a lot more appealing. Buying 4 plane tickets on points sucks. Maybe I should hop on that BofA train.

@TheCreditFrog 3 ай бұрын

It's true! The Hilton Surpass also only codes at those higher categories in the US so that's also a problem. Haha, yeah the BofA PR Elite is pretty much a simpler version of the C1VX. No transfer partners, good Priority Pass (4), free AUs (4), and an option to get 1.25X on flights in the BofA Travel portal. Complexity finds you so it's nice to have a simpler credit card setup when it does!

@colinyuhl9339 3 ай бұрын

@@TheCreditFrog the no fx fee on surpass is such a mockery. Thanks for letting me pay for Hilton stays in local currency I guess. Still love the card. Love the content Stan thanks for what you do.

@shawn.credit 3 ай бұрын

C1 Savor One, Citi Premier, USB Altitude Go for me!

@TheCreditFrog 3 ай бұрын

All great cards! But aren't you worried about the overlap?

@shawn.credit 3 ай бұрын

@@TheCreditFrogThose were one card options ha either three would be one I’d choose as a single card!

@TheCreditFrog 3 ай бұрын

@@shawn.credit Ohhh I get it now haha! makes more sense 👍

@user-yg7xi2by6l 2 ай бұрын

How about Wells Fargo 2% for everything cash back

@TheCreditFrog 2 ай бұрын

Great card! But has foreign transaction fees.

@user-yg7xi2by6l 2 ай бұрын

@@TheCreditFrog They now have a new business card with no transaction fee. How is it?

@TheCreditFrog 2 ай бұрын

@user-yg7xi2by6l If you’re referring to the WF Signify business cash, that card has a foreign transaction fee too.

@newagain9964 3 ай бұрын

Bruh. If PP card had no FT fees, i would have got it…yesterday!😤. Would Open up non-US online shopping and other purchases🤩

@TheCreditFrog 3 ай бұрын

That sounds a lot like the C1VX (and the BofA PR Elite)

@newagain9964 3 ай бұрын

@@TheCreditFrog yes. But 3% is way better than 2% in this context. Foreign retail, hotels, experiences etc, easily surpass thousands $$ spent a year.

@TheCreditFrog 3 ай бұрын

@@newagain9964 Yes that would add up very quickly!!

@newagain9964 3 ай бұрын

@@TheCreditFrog and meant to add: and many foreign merchants only take cash and P2P payments. Includes PP.

@docsays 3 ай бұрын

I believe the paypal business card does not have any FTFs

@LeMerf 3 ай бұрын

Any good hotel card to pair with the venture x?

@TheCreditFrog 3 ай бұрын

I would go Hilton Surpass, but that's just my preference.

@Rhaegar7504 3 ай бұрын

AR fanboy club reporting for duty!

@TheCreditFrog 3 ай бұрын

Woohoo! Me and you both Jay!

@CesarJoel 3 ай бұрын

Great list Stan! That Venture X is a great one card setup. Love the Citi Premier and Surpass. Thanks for the detailed overview hermano!🫵

@TheCreditFrog 3 ай бұрын

Of course César! Lots of great options.. seems like the winner for most is the C1VX! Appreciate you as well hermano!

@angelalfaro4207 3 ай бұрын

The fidelity card no longer has FTF

@TheCreditFrog 3 ай бұрын

Yup! Thanks for the correction.

@WIZZIGG 3 ай бұрын

I thought fidelity had no FTF?

@TheCreditFrog 3 ай бұрын

Yeah, it doesn’t. My mistake! Makes that card even better!

@De_Guatemala 3 ай бұрын

#1- CITI Premier Or... #1-CSR

@JohnnyCashBack5X 3 ай бұрын

Citi Premier because the Citi card has less annual fee.

@TheCreditFrog 3 ай бұрын

Don't know if I would choose CSR, but I can see the case for the Citi Premier!

@DCGEMINI202 3 ай бұрын

Surpass for the win. Us bank reserve is number 2

@TheCreditFrog 3 ай бұрын

Surpass is powerful as a 1-carder, but from a practical standpoint, the USBAR is my favorite.

@DCGEMINI202 3 ай бұрын

@@TheCreditFrog its definitely top tier but no transfer partners kinda hurts it. I just got my boa pre and I’ll probably never use it besides for the “united bank travel credit” and that other credit that i havent used it. Thanks for reminding me😅

@TheCreditFrog 3 ай бұрын

@@DCGEMINI202 Haha no problem! Also remember that the PP on the BofA PR Elite is one of the only ones left that gets you into PP restaurants once the CSR/RC PP gets downgraded on 7/1. So the PR Elite is worth it for that reason alone IMO!

@DCGEMINI202 3 ай бұрын

@@TheCreditFrog yea i got my pp membership but they said they dont send out physical cards which was weird to me. I have to log into the app. Is it the same for u?

@TheCreditFrog 3 ай бұрын

@@DCGEMINI202 Yup! Same for me. No worries though, the QR code has never let me down!

@AhmadKhwajazada 3 ай бұрын

First

@TheCreditFrog 3 ай бұрын

Congrats Ahmad!! You are first! 🥇

@BonVoyageMiles 3 ай бұрын

Bread Financial 2% card has no FTF

@TheCreditFrog 3 ай бұрын

I haven't heard of that one! I'll have to check it out!

@arteephact 3 ай бұрын

Redstone?

@TheCreditFrog 3 ай бұрын

Great card! Definitely a top one, but because of the limits and the 1.5X category, it wasn't on my list, but maybe it should have been - it's pretty powerful if you can stay within the multiplier limits!