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Old 04-26-2012, 12:44 PM
 
Location: Cape Cod
630 posts, read 983,889 times
Reputation: 595

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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.
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Old 04-26-2012, 12:56 PM
 
4,256 posts, read 4,584,666 times
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Pentagon Rewards Card USAA American Express Rewards card and Navy Federal Signature Visa.

I canceled my Barclay US Airways card 2 months ago. I couldn't stand the customer service and they were always miscalculating my dividend points.

I also had a few Chase cards a few years ago. But I don't deal with big banks anymore especially not Chase and BOA. I prefer credit unions now.
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Old 04-26-2012, 01:05 PM
 
Location: Cape Cod
630 posts, read 983,889 times
Reputation: 595
Those two cards sound like they're military related (USAA)
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Old 04-26-2012, 01:11 PM
 
Location: San Antonio/Houston
33,705 posts, read 51,999,353 times
Reputation: 83330
Closing credit cards is not a great idea.
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Old 04-26-2012, 01:25 PM
 
Location: Cape Cod
630 posts, read 983,889 times
Reputation: 595
Even if they're closed as "customer requested"; I've done it before and still have a credit rating well over 800. I've heard it's not a good idea but don't understand why if it's customer requested.
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Old 04-26-2012, 01:45 PM
 
Location: San Antonio/Houston
33,705 posts, read 51,999,353 times
Reputation: 83330
That's what the experts say:
Is It Wrong To Close Your Credit Card Account? | Bankrate.com
Why closing a credit card can damage your credit
Money Pros: Opening and closing credit cards have consequences - New York Daily News
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Old 04-26-2012, 01:48 PM
 
Location: Cape Cod
630 posts, read 983,889 times
Reputation: 595
Thanks, I just logged on to say I found the information. If the card is closed, it will drop off your credit report after 7 years thereby eliminating a long term credit history; also affects "uitilization". Thanks, I think I'll just keep what I have and chill.
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Old 04-26-2012, 02:19 PM
 
5,805 posts, read 8,333,710 times
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for Customer Service and Cash Back nothing beats Discover....My Favorite Card.

Reward Cards depends on how valuable the rewards are to you, I don't fly often enough for frequent flyer rewards.

I like my Citi Forward Card...get 5% cash back for All Restaurants (Fast Food, Fast Casual, Full Service doesn't matter), Entertainment (Movies, Plays, Netflix, Hulu, etc), and Drug/Grocery store purchases... Racked up a lot of Cash back with this card, it's my Everyday card.
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Old 04-26-2012, 02:36 PM
 
Location: Cape Cod
630 posts, read 983,889 times
Reputation: 595
Thanks, Blackbeauty, I'll look into the Citi Forward. Do you find you can use a Discover card everywhere or do you find limitations.
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Old 04-26-2012, 02:44 PM
 
1,394 posts, read 1,965,052 times
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I have the Blue Cash card from Amex.

6% on groceries
3% on gas
3% on retail
1% everything else.

No spending limits, no maximum cash back.

I don't know what the interest in because I don't carry a balance, but IMO, those are some of the best perks around. I average around 2-2.5%, depending on what I purchase month to month.
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