BEST All Around Credit Card in 2024 ? What's the Overall Best Single Credit Card if u Carry Just One
HTML-код
- Опубликовано: 27 фев 2024
- Support our channel by choosing your next credit card using one of the card links at:
- BEST: www.proudmoney.com/best-credi...
- BALANCE TRANSFER: www.proudmoney.com/best-balan...
- TRAVEL: www.proudmoney.com/best-trave...
- BUSINESS: www.proudmoney.com/best-busin...
- BEST 0% APR: www.proudmoney.com/best-0-apr...
- BEST AMEX CARDS: www.proudmoney.com/best-ameri...
- BEST CHASE CARDS: www.proudmoney.com/best-chase...
- CASH BACK: www.proudmoney.com/best-cash-...
- BONUS: www.proudmoney.com/best-credi...
- BEST CAP ONE CARDS: www.proudmoney.com/best-capit...
- BAD CREDIT: www.proudmoney.com/best-credi...
- FAIR CREDIT: www.proudmoney.com/credit-car...
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $250 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp...
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
.
Our site: www.ProudMoney.com
Contact: Adam Jusko adam@proudmoney.com
(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!
#creditcards #personalfinance 
Хобби
Support our channel by choosing your next credit card using one of the card links at:
- BEST: www.proudmoney.com/best-credit-cards-on-the-market/
- BALANCE TRANSFER: www.proudmoney.com/best-balance-transfer-credit-cards/
- TRAVEL: www.proudmoney.com/best-travel-credit-cards/
- BUSINESS: www.proudmoney.com/best-business-credit-cards/
- BEST 0% APR: www.proudmoney.com/best-0-apr-credit-cards-on-purchases/
- BEST AMEX CARDS: www.proudmoney.com/best-american-express-credit-cards/
- BEST CHASE CARDS: www.proudmoney.com/best-chase-credit-cards/
- CASH BACK: www.proudmoney.com/best-cash-back-credit-cards/
- BONUS: www.proudmoney.com/best-credit-card-bonus-offers/
- BEST CAP ONE CARDS: www.proudmoney.com/best-capital-one-credit-cards/
- BAD CREDIT: www.proudmoney.com/best-credit-cards-for-bad-credit-unsecured-secured/
- FAIR CREDIT: www.proudmoney.com/credit-cards-for-fair-credit/
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $250 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=3e93c73c-afe7-4b94-9970-7a1fc13a381a&isAliasGcp=false
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Hi Adam, I think you forgot to mention the Citi Double Cash card LOL
Great content as always, thanks Adam!!!
My CFU and my Navy Fed More Reward smiled at me when I watched this video 😊
Great review...This always helps with looking for new cards to get. You can add the WF Autograph card with the AE Everyday card for groceries and online shopping and be covered with alot of catorgories then just throw in a good 2% card and be set.
Good review. I have the AAA TA, the BCE, and a VX, but since I'm working on the spending requirements on new business cards while at 4/24, I had to put them on hiatus. I'm not sure if the AAA or the BCE will be used that much in the next year, especially if I decide to jump on a CSP (and off the ink train) if it does get a great welcome offer... because getting the AMEX Gold and/or the Savor 1 will have a better return on spend than the cash back cards. I guess I'm not a one-card guy, lol.
Great list Adam!
Alliant Credit Union Visa Signature. 2.5 on everything. Love this card
Solid video as always Adam 👍
I’m cool with my Amex blue card. Does the basics that get me through.
I would have to go CSP or citi premier.
Low AF, no FTF
Both have lots of categories plus access to transfer partners so you can either cash out or use pts for travel. Also some good purchase protections & extended warranty.
I think the NFCU Flagship Rewards is a great card.
Fidelity might have a bonus right now. I recently got an offer in the mail $150 bonus on $1000 minimum spend until end of May. And thanks for the tip on the AAA cards, I'm always looking for more rewards on my BJ's purchases.
Really glad the Savor One is finally getting its due.
Unrelated, but a Capital One/American Airlines partnership makes all the sense in the world to me.
Wells fargo autograph and capital one savor one ❤
🏆NFCU🏆 Thanks for the info + video!
Current card that I would say: Discover Miles as long as you don't mind opening another account and closing the second (that is still one card your using - sort of) as last I knew you still can churn them and it is *unlimited 3% back on all categories of purchases* and get 1.5% each month and the rest with the cash back match.
Card of the future: The Federal Reserve card.
Though if you have less than or around $10,000 spend on groceries (or $7,000 on gas or electric charging) then like the good Adam Jusko said in the video the one of the AAA Comenity dual of cards is better for the spend as that can be a good as 5% back if under the cap.
Im fairly new to credit cards, but the US bank altitude go seems good, or the wells fargo active cash.
I wouldn't have thought about the Gold being good if you just wanted 1 card, but I could see it for the right person. Though Amex isn't accepted everywhere which is a downside. I do agree with others that say the US Bank AR should be here. Assuming you can do a lot of your purchases with mobile wallet, you get 4.5% on those, and 1.5% elsewhere. Maybe not as good if you don't travel, but the same could be said of the Gold. Though I am curious how the math would work out for an average person, whether one of the 3% on multiple categories would be a 2% on everything if all they wanted was one card.
PayPal is #1 for me since I do almost all of my spending through PayPal (Even online grocery shopping, AND my light bill). Complimented with the Fidelity card, I could drop to a 2-card system if it came to that.
- ya thats a good card. My wife loves it for online shopping
Duurrrrrrrrr
Looking for a new 2% card since synchrony nerfed non-PayPal transactions from 2% to 1.5% rip lmao
@@EtamirTheDemiDeer Yeah lol. The Fidelity visa is at least still a nice card. No FTF and sometimes has a $150 intro bonus
Alliant Visa Signature easy for me.
Pay health insurance premiums and auto as well through it.
Easily surpasses what the 1k could get me even at 5% APY
Used it overseas and it's perfect - NO FTFs just a round great card.
I wasn't able to apply for the AAA credit card because for some unknown reasons it could not verify my info as if I wasn't in the system.
The top two in my opinion are either the U.S. Bank altitude reserve with 4.5x on all mobile wallet purchases which is almost everything now and the alliant signature visa, 2.5% back on everything, no annual fee and no foreign transaction fees.
Why not the Citi Custom Cash? I think that is # 1.
Cards I think should have made the list:
Redstone FCU Signature (strongest category-specific card on the market, should be in actual Top 10)
Amex Blue Business Plus (2x transferable points, no annual fee)
Any 2.5%/3% card, like Alliant (with the caveat of having to jump through hoops)
US Bank Altitude Reserve (4.5% on mobile wallet redeemable for cash travel with $75 effective annual fee, good SUB, some premium benefits)
Capital One Venture X (2x transferable, good SUB, no effective annual fee if you travel once a year using cash)
AAA travel if gas is majority of budget. AAA everyday if its groceries.
BILT is underrated as a solo card.
i dont know how capital one savor one wasn't #1 because it has 3% in a lot of good categories with a low spend requirement $200 bonus and we don't have to be a member of anything. wells fargo autograph would be a close second because it has a lot of the same benefits but with a higher spend requirement for its intro bonus.
It's #2 on my list. The 10% back on uber/uber eats is still going. 5% back on hotels and rental cars. 8% back on entertainment through the Cap1 entertainment portal. Excellent card.
My favorite all around card is the active cash autograph BCE
All mashed together 😀
😂😂😂 what?
@@KingGreen78 BCE is Amex. Active Cash is Wells Fargo. Two different cards. All mashed together.
No citi custome cash?
I dislike rotating category cards. It’s like purposefully making your life harder to plan. Checking out those AAA CARDS.
I agree. I don't have Amazon. If that's my 5 percent category, then I'm screwed.
I'm curious why you have the blue cash everyday card in your top 10, but have the blue cash preferred in your honorable mentions?
Annual fee. Bce is better because 3% online purchase works at Walmart via Walmart pay and Sam's club via scan n go. It's effectively at 3% grocery card with a 12k annual limit if you know how to finesse it.
What about Alliant Visa 2.5% cash back on everything !!!
Wow! No Citi absolutely anywhere even in the honorable mentions? The Custom Cash certainly holds more value than something like the Chase Freedom Unlimited. And not even a mention of the Double Cash in the 2% flat cash back. Did Citi do you dirty recently?
Double cash was lumped in with the active cash, just didn’t mention it because of the welcome bonus of the AC
The CCC is literally the opposite of an "all-around" card. Everyone should have one, and it's a great card, but you use it for 1 category and that's it.
@@johnt6806 That's fair
I was going to say that if I could ONLY have 1 card, it would be the no AF BoA Travel card, or maybe the $95 one, but I'm a PR member, so it shifts things a bit.
Maybe even the elite one, since you can actually use all of the travel and lifestyle credits in just one trip a year, and you don't have to pick a particular airline.
Any reason why the travel card over Unlimited Cash? With the PR boost, it’s 2.62% back on everything. Redemption for any purchase. Instead of only travel expenses. The travel card does have no FTF advantage over Unlimited Cash.
I’m genuinely curious. I have both and I NEVER use my Travel card. I only keep it for credit history. But I’m probably not utilizing it properly either.
@@tlar1272 Yeah, I forgot the points are only worth $0.06 when redeemed for cash...
I have six of those cards (five in the top 10, one honorable mention). I wonder why US Bank Altitude Go was chosen over Cash+. With Cash+, you get to choose your 5% categories per quarter. Then again, there is a cap on that bonus per quarter.
The cash + is only good for the utilities and cable/internet or gym membership. A lot of those categories arent things you spend money on daily.
Bread Amex card is flat 2% card with no foreign exchange rate fees.
good one!
If you have a saffire card and want another card will they do a hard pull e even if you are in good standing
Probably yes, I don't believe Chase has a stated policy that says otherwise.
Are the AAA cards redeemable for actual cash back or just a statement credit? And can you have both or just 1?
You can do statement credit online but have to call in if u want cash direct deposited, which seems like it is intended to make you choose statement credit (which I do personally, I consider it easier in general.) Someone commented on another video that they got both, but I can't confirm that.
I was unable to get both but this was before comenity took them over from Bank of America. Was going to try again or see if they would do a product swap cause daily advantage would be more useful(3% best out there for Costco ) to me then the Travel one I have
Redstone Federal credit Union Visa, hands down is my daily driver, this card surpasses several cards on your list.
Yea but its not easy to be a member of that credit union so thats off the table for most people.
@@navyvet05anything worth having, is worth jumping through a few hoops for😊, I joined one organization which was easy to do, deposited $5 into a saving account and now I have a great daily driver, no annual fee, plus no foreign transaction fee, this credit card is offering 5% restaurant and gas station, 3% streaming services, utility and wholesale clubs like Costco and Sam's club, and 1.5% back on everything else it was a no-brainer for me, I had to have this card.
Paypal
WF Autograph
Bilt Rewards
Hey everyone! :)
For those who got a AAA card,how easy is it to get approved? I got 2 cards in the past 2 months and am thinking of getting the everyday one
I got the travel version in Sept and very easy process. Issued by Comenity so they are looser with lower credit score. My FICO is 795-800
I was able to get the AAA when my fico was mid 600s, so not very hard at all
I avoid the bankster credit cards at all costs, and stick to a credit union! Credit unions are not for profit, members are owners, and credit unions do not take financial risks! I only have two cards. The Navy Federal Credit Union More Rewards Card, and the Flagship Rewards Card.
Chase freedom flex does just fine.. 5% rotating categories.
Capital one venture X
Redstone FCU absolutely COOKS all these other cards. You get 5% on gas and restaurant purchases, 3% at grocery stores, discount stores, wholesale clubs, utilities, cable, phone and streaming services and 1.5% on all other purchases. The multiplier categories are the bulk of most people’s shopping. It’s easy for anyone to join - just pick the last choice on the list during the application (it’s free). The idea that this card is a limited time teaser has been wrong for over a year.
The value of cent per point is less than 1cent, so misleading!
I think the biggest one you missed is the Costco Everyday Visa! It functions as my parents' 1-card setup and they get about $500 per year in cash back. Impressive! In my opinion, it's hard to go wrong with the Costco card. That is assuming that you have a costco membership, so you could say it's effective annual fee is $60 or $120.
100%. I do the 120 membership which adds 2% cash back at all Costco purchases. For me it always more then pays for itself every year.
Another thing to consider for a single do it all card are the extra benefits besides just the cashback/points categories. Namely purchase protection and extended warranty which is mostly going to limit you chase or amex annual fee cards. But those are very powerful benefits, especially if youre using that card for all your purchases, big and small.
And also im shocked! i think this is the first one of these types of lists i didnt see the citi custom cash or double cash at least get an honorable mention. Maybe people are getting tired of hearing about those? 😂 i know the custom cash most people only regard as a good supplemental card for one category use only. But if most of your daily purchases fall in the available categories and you arent a big spender, you can pretty easily average over 2% back across all your purchases with that one.
Paypal Mastercard for sure and I haven't even watched this yet.
Interesting that the Citi Custom Cash is not on here.
Tough to recommend it as best all around, better as a complement to other cards in your wallet.
It is a gap filler card, a great one, but still just a gap filler.
How did the U.S. BANK SHOPPER CASH REWARDS not get on the list, that thing is nuts. Also the Citi Double cash.
Verizon Visa Signature Card
Why didn't the Redstone make it? That was my #1.
Was honorable mention, only because it requires some work to join a credit union that most people won't want to hassle with. But, yes, straight up on the rewards it is probably THE best single card.
@@ProudMoney also I think the Kroger card deserved a mention for mobile wallet 5% no AF.
@@ProudMoneyI just joined, when doing the CU membership app it gave me the option to join an org to gain membership. Did it, joined, and as soon as I setup online banking I applied for the credit card and was approved.
Venture X
Costco
Only because you included the gold card with an annual fee will I debate that the altitude reserve should be #1 here.
Uncapped 4.5% (with travel) that I use for gas, groceries, most utilitis, travel, take out food, most online shopping, most in store stopping.
1.5% on all other purchases.
Agreed. Really surprised this wasn't on his radar/list. The USBAR is insanely good for those who want to optimize simplicity to max return ratio.
@@stevenmingus8168because he doesn’t get referral links. If he did it would be the best card of 2024 and the video would be out by tomorrow
What about American Express Blue is this a bad choice
not sure which card u r referring to... the Blue Cash Everyday was mentioned.
AAA Daily advantage sounds great. Until you get a $500 credit limit and an inquiry on your credit file for this useless card.
Curious as to why no Citi Double Cash?
I was wondering the same thing, since the only real downfall is the lack of travel protections, and that goes away once you use, let’s say, a venture x to pay for the taxes.
Yeah me too. And last i checked i thought i saw a bonus offer available for once. Might be a limited offer though not available to everyone.
I was wondering the same thing as well.
AAA for the win. Wow, they weren't on my radar & I need to be look into them- they seem pretty solid. Also Amex blue cash for the 3% online. Great video!
👍🏻
Sox why are you everywhere 🤣
@@AhmadKhwajazada It is like cameras being (almost) everywhere these days? They have 1984 in the handle after all.
Why didn't you add Citibank double cash in the 2% cards?
I was wondering the same thing.
Citi Custom Cash is also solid, but isn’t a catch-all card
Citi double cash is played out!
👍
Bilt #1
A one card set up is foolish.
I wouldn't go that far... 😀
First
🤯🤯🤯
Go altitude