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Your Take: Your Favorite Credit Card?

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JD PowerEvery year, JD Power & Associates puts out a credit card customer satisfaction survey in which all the major credit card companies are listed along with their scores. It’s a 1,000 point scale and this year the “winner” was American Express with 769 out of the possible thousand. The silver medal goes to Discover Card with a 757.

I wanted to do an informal Bargaineering comment survey to see who you guys rated as the best credit card issuer. Is your favorite American Express? Discover? Citi? Chase?

I don’t call my credit card very often and I’ve never had an issue with any of my cards, so the basis of my satisfaction really just boils down to cash back rewards. In that regard I’m close to JD’s results as my favorite card is the American Express Costco TrueEarnings card followed by the Citi mtvU card.

What’s your favorite and why?

{ 36 comments, please add your thoughts now! }

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36 Responses to “Your Take: Your Favorite Credit Card?”

  1. Dave says:

    @Lanie 30000 points only netted you $250? That’s not a great deal. I get 2% cash back on gas and groceries and 1% on everything else with my CapOne rewards card. CapOne shows rewards as a real $ cash balance. When I redeem, I get the full $ value. Forget the cards that track points unless 1 point = $1.

  2. Mike says:

    Charles Schwab Visa.

    - Able to use visa everywhere
    - 2% cash back on everything deposited every month straight to my brokerage account
    - No spending limits
    - Exclusivity, No longer available to the public (I feel special) :D

  3. Ron says:

    Pentagon Federal Credit Union pays 5% credit automatically every month for gasoline pump purchases. No dumb points to redeem, no phone calls to make. You spend $300 on gasoline, you get $15 credit on your statement. For every $3 gallon price you see, your cost is down to $2.85 a gallon. They also have other credits you can get such groceries and pharmacy purchases. Then there are seasonal, like right now 3% credit on back to school items and electronic purchases.

  4. Ron says:

    Amex Blue Cash Back is only 5% off once you spend $6500. During the $6500 it’s only 1%

  5. Dave says:

    Best:
    Schwab Bank Credit Card.

    pros:
    * 2% cash back on everything
    * automatic transfer of cash back every month (no waiting for 2500 points then having to call someone to get a check issued and deposit that check)
    * shopsafe (merchant locked cc numbers on demand)

    cons:
    * no automatic ACH payment for “full” balance (can only do periodic fixed payments)
    * must have Schwab brokerage account

    Also good, but no longer exists:
    Chase Perfect Card.
    Like the Schwab card, this had automatic credits of the cash back rewards monthly. Chase killed this off a year or two ago forcing everyone to a stupid 2500 point non-automatic system.

    • Me says:

      I have the Schwab Invest First CC as well and wanted to let you know that you can set up an automatic ACH payment for the full balance. I set it up immediately and have been getting my payment automatically withdrawn monthly for over a year.

      The only caveat is that if you want to pay a portion of the balance early, Schwab will still take the original amount due for that month, even if it makes your account positive.

      So now the only con is needing a Schwab brokerage account. :)

  6. Rio says:

    Hands down the Schwab Bank Credit card–2% cashback on everything. The card is issued by FIA Card Services (Bank of America) and the customer service is pretty good.

    I also use the Platinum Delta American Express Card because I value Elite status on Delta Air Lines for first class upgrades. I get 10k MQMs toward status with 25k spend. Although redemption of miles isn’t as great as United or American, Delta is #1 when it comes to free domestic, first class upgrades.

    AMEX customer service is top notch, especially when it comes to disputes.

  7. Judy says:

    Schwab Invest Visa 2% back card may soon be history.
    On October 1, 2010, FIA will be fully taking over.
    FIA is tricky, and will not be tolerated by Schwab customers.
    Expect terms to change.


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