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Old 04-27-2012, 01:45 PM
 
48,519 posts, read 80,998,062 times
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By far the best cutomer service I have experienced is Discover.Also like their rewards .
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Old 04-27-2012, 02:01 PM
 
48,880 posts, read 39,370,650 times
Reputation: 30543
Quote:
Originally Posted by GMarcan920 View Post
Opinions please? What do you consider the # best ever credit card for rewards and customer service.

I'm seriously thinking of closing (customer requested closures) credit cards I don't use and getting one "best ever".

Currently have 3 Chase cards, all Visas (Amazon, Disney, Coldwater Creek), Capital One Rewards Visa and Barclay MC.
I spend over 20k a year and pay my balance at the end of every month.

In the last couple months I have been scoring hugely on card offers for the initial bonus, not so much the longevity. I intend to cancel these cards eventually.

Chase Freedom: 1% cash back, up to 5% cash back on some items. (Main Card)

Southwest Rapid Rewards Visa: $70 annual fee....got 50,000pts after first purchase....which is about $900 worth of plane tix. (I swore I'd never pay an annual fee until I got this offer.)

American Express Blue Sky: No annual fee, had to spen $1200 on it the first 3 months...got 50,000pts worth $500 off travel expense charged on card.

Citi Thankyou Premier: Waived for 1 yr annual fee (otherwise $125)
50k points after spending 3k in 3months. Worth $500 in gift cards.

So, I'm getting roughly $1800 in perks and will then terminate all those cards and go back to using my chase freedom card....

By doing this, I'm going to get about 10% back this year on my credit card spending. Granted I won't always get these types of offers but that's a pretty good reward haul.
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Old 04-27-2012, 02:59 PM
 
Location: NJ
22,668 posts, read 28,551,950 times
Reputation: 14606
Quote:
Originally Posted by Mathguy View Post
I spend over 20k a year and pay my balance at the end of every month.

In the last couple months I have been scoring hugely on card offers for the initial bonus, not so much the longevity. I intend to cancel these cards eventually.

Chase Freedom: 1% cash back, up to 5% cash back on some items. (Main Card)

Southwest Rapid Rewards Visa: $70 annual fee....got 50,000pts after first purchase....which is about $900 worth of plane tix. (I swore I'd never pay an annual fee until I got this offer.)

American Express Blue Sky: No annual fee, had to spen $1200 on it the first 3 months...got 50,000pts worth $500 off travel expense charged on card.

Citi Thankyou Premier: Waived for 1 yr annual fee (otherwise $125)
50k points after spending 3k in 3months. Worth $500 in gift cards.

So, I'm getting roughly $1800 in perks and will then terminate all those cards and go back to using my chase freedom card....

By doing this, I'm going to get about 10% back this year on my credit card spending. Granted I won't always get these types of offers but that's a pretty good reward haul.
haha nice work.
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Old 04-27-2012, 03:23 PM
 
Location: Wherever I want to be... ;)
2,539 posts, read 8,563,766 times
Reputation: 1955
Quote:
Originally Posted by TimeMachine View Post
I really enjoy the customer service on my plain jane USAA Platinum Master card, but I barely get 1% back, sigh.
I know, me too! It's my "places that don't take Discover or AmEx" card.
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Old 04-27-2012, 06:07 PM
 
Location: Victoria TX
42,668 posts, read 71,523,609 times
Reputation: 35864
I use, almost exclusively, my Citi World Dividend MC card, which Ive had for about 8 years, and I am very satisfied with it. Customer service is quick and personable, problems are rare and resolved immediately, online is user-friendly, there are no surprises, and what I think is good protection, in that they have twice reissued me a new card because they felt it might have been affected through a seller that was compromised. No annual fee and at least 1% cash back on everything including utility bills. I pay the full balance the minute I get my invoice.
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Old 04-27-2012, 07:55 PM
 
1,589 posts, read 1,820,141 times
Reputation: 1695
The Dave Ramsey people are really missing out!

I know, rice and beans...
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Old 04-28-2012, 12:09 AM
 
Location: California
29,580 posts, read 31,900,225 times
Reputation: 24725
PenFed rewards, AMEX/Costco, Discover.

In preperation for a divorce I've cancelled cards and simplified my credit with no problems whatsoever. If my score took a hit it bounced back before I could notice it.
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Old 04-28-2012, 09:14 AM
 
Location: Verde Valley AZ
8,206 posts, read 9,093,756 times
Reputation: 10386
Quote:
Originally Posted by GMarcan920 View Post
Opinions please? What do you consider the # best ever credit card for rewards and customer service.

I'm seriously thinking of closing (customer requested closures) credit cards I don't use and getting one "best ever".

Currently have 3 Chase cards, all Visas (Amazon, Disney, Coldwater Creek), Capital One Rewards Visa and Barclay MC.
I can't say what is the "best" but I can tell you which is the worst and to avoid. It's the Wells Fargo Visa. I signed up for their rewards program and found out they charge $25 a year for it. Back then I wasn't making much money so I couldn't spend much and it took me an entire year to earn $25 in 'rewards'. I kept it for another year and, again, only earned $25 with it so, basically, I spent $50 and earned $50. I decided it wasn't worth it and cancelled it BUT they wouldn't let me have the $50 I 'earned' either. I didn't know they'd do that! I should have taken the gift card and THEN cancelled it! Hindsight and all that....
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Old 04-28-2012, 02:05 PM
 
Location: California
29,580 posts, read 31,900,225 times
Reputation: 24725
Quote:
Originally Posted by AZDesertBrat View Post
I can't say what is the "best" but I can tell you which is the worst and to avoid. It's the Wells Fargo Visa. I signed up for their rewards program and found out they charge $25 a year for it. Back then I wasn't making much money so I couldn't spend much and it took me an entire year to earn $25 in 'rewards'. I kept it for another year and, again, only earned $25 with it so, basically, I spent $50 and earned $50. I decided it wasn't worth it and cancelled it BUT they wouldn't let me have the $50 I 'earned' either. I didn't know they'd do that! I should have taken the gift card and THEN cancelled it! Hindsight and all that....
True. I only had that for awhile becasue they offered it to me FREE. I advised both my kids to avoid it...don't pay for any "bonus deals".
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Old 04-28-2012, 02:20 PM
 
Location: San Antonio, TX, USA
5,142 posts, read 11,157,324 times
Reputation: 2500
The best is AMEX Blue Cash. Ends up being about $600 in cash back for me every year. I was using Citi Card Thank you Preferred and I was always called about questionable charges. Started to really annoy me. Just got an email for the Southwest Airlines Chase Visa for 2 Flights. Going to see what that one is like.
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