I Ranked Every Credit Card (Here’s What’s ACTUALLY Good)

In this video we are ranking over 30 credit cards in a tier list so that you can see which ones are overrated and which ones are actually the best credit cards that are worth getting! Each credit card in this tier list has been reviewed very carefully based not only on things like the welcome bonus and spending multipliers, but also the benefits of each credit card as well as the overall value it should give you. I tried my best to cover every credit card, but in order to do that I had to generalize some stuff because there are literally hundreds of credit cards on the market! The cards in this video were the most popular, so hopefully focusing on those credit cards will help you to make better decisions about which ones to get.
I’m also ranking the credit cards in this tier list based on my unbiased opinion, and I tried to account for how the average person will be able to use each credit card. This list is constantly changing as issuers release new products and update their current credit cards; but for now, these are the worst and best credit cards on the market.
This “Credit Cards Ranked” video style was a lot of fun to make, so let me know if you would like to see more credit card rankings in the future!
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CHECK OUT SOME OF MY OTHER VIDEOS:
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▶️ Chase Trifecta - The #1 Credit Card Setup For FREE Travel: • Chase Trifecta - The #...
▶️ Chase Sapphire Preferred vs Reserve (Choose Wisely): • Chase Sapphire Preferr...
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▶️ The 9 BEST Travel Credit Cards of 2023 (Ranked): • The 9 BEST Travel Cred...
▶️ How We Got $27,300 of FREE Travel With Credit Cards: • How We Got $27,300 of ...
DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@BobI-jb4rk]

I got a B’s and C’s Just like my high school report card.

[@Daniel_Braun]

😂 Hilarious and clever comment - definitely deserves a pin

[@Ragnar0321]

😂😂😂 good one

[@kazi1]

😂

[@jamesvaugh4718]

No need to brag man

[@duhbullb]

My one and only card thus far wasn't even mentioned 😂😂

[@carsonfoy1546]

Chill with the transitions I’m getting dizzy

[@devin.hastings]

😂

[@Olafdaschneemann]

Between that and the flying hands....I keep feeling like I need to dodge his fingers

[@bunnyfoxparagon7100]

Actually absurd edit

[@ElJefe360]

Thats because you are old 🙄😮

[@Yourenotspecial]

@@ElJefe360naw its overly edited

[@Mikexmerchant]

It's so refreshing seeing someone get straight to the point. You absolutely will get my subscription. Great stuff!

[@Daniel_Braun]

Thank you so much for saying that and for subscribing! Truly means a lot to me!

[@frederickstuart7495]

Same

[@ZapeVortex]

Agree

[@sjg6158]

Thanks for the hard work on this Dan. That looked like a lot of work to go through all of that.

[@AndysCreditCorner]

The way that you go from one card to the next is interesting, often choosing the next card with somewhat similar features, rather than just simply going through each card family one by one. It kept me eager to see what card would come next.

[@Riverbend1752]

Looks like I have a pretty average portfolio of cards, but that's perfect for my needs right now. I'm living very frugally while building an emergency fund, so I have limited spending and don't travel enough to justify any annual fee card. What Daniel says at the end of the video about everyone's situation being different is incredibly important to remember as you go along your journey.

[@kessarychlick2117]

What card do you prefer because I live very frugally as well.. I only buy groceries and gas

[@Riverbend1752]

@@kessarychlick2117 Currently, I have a Discover Cash Back (occasional useful categories), Chase Freedom Unlimited (1.5% catch-all), the Costco card (already have a membership, and it gets 4% on gas), and a card with my local credit union that I hope to upgrade soon to one that will be a 2% catch-all. Eventually, I plan to get a better card for groceries (probably the SavorOne if it/the environment haven't changed drastically at the time I apply).

[@mileshubert862]

Amex Gold

[@user-lb3ml3tt5f]

Venture X vs CSR value proposition varies highly depending on what airports you frequent. My home airport is BOS and my secondary airport is PVD, which makes Saphire lounge access at Logan and priority pass experience credits at Logan and Providence extremely valuable. If your home airport is DFW, then the capital one lounge access might be more valuable.

[@romcorleone]

Thanks for taking the time to walk through these brother!

[@jaimekatz6645]

Thank you so much for doing all of this research! You saved a lot of people a lot of time and we appreciate you! ❤

[@miguelherrera9676]

Great video. Would love to see a business card tier list in the same manner

[@TheBrentonJones]

Savor one sounds like the easiest and most efficient for me. Thanks for the list!! This is exactly how I make decisions in video games and now with my finances lollll love a good tier list.

[@joleshafrazier4944]

Love this video I’m finally deciding to get a credit card (trying to build my credit) and I loved the way explained everything 👏🏽

[@KevinYang]

Pretty much with you on all of the rankings in general! I definitely need to consider the SavorOne as I (maybe) close out my Amex Green which was amazing in the first year given the welcome bonus, but like you mentioned doesn't see THAT much value otherwise. Would love the Amex Gold but with the new welcome bonus changes, out of luck. Both the Amazon Prime and Bilt cards are great to have, but also not sure if they're worth burning a 5/24 slot for, so we'll see! Awesome breakdown Daniel!

[@waterfoker8558]

Don't close ur CC, even if you don't use them, unless there's annual fee upkeep, then get rid of them. Keep your credit line high

[@ShiceTea]

Wow this video was informative, straight to the point, and well made. Subscribed, thanks!

[@AnthonyVenture]

Mannnn I know how hard this video must have been to make 🤣 Just trying to figure out where to start is TOUGH. Also I’ve heard of a few people who actually got that Luxury Card and I remember whoever told me about it, didn’t have the heart to tell them it was a bad card 😂 Great Rankings here Daniel! Some of these I never had an opinion on so it was good to see your insights on them, especially the U.S. Bank Cards. And I think you’re spot on with the Platinum for most people 100%

[@nicoschmidt7618]

I actually have a US Bank card, since it was the bank I grew up with and it's a perfect card for my current situation as a college kid, already tied to my bank, and with surprisingly good cashback and no foreign transaction fees. It helped me get a decent card as my first one rather than another bad bank card or student card. I do not think I will continue to use it much once I am out of college and add better travel program cards and things like custom cash, but have definitely appreciated it so far.

[@rodi4850]

With credit cards there's always a balance between what you gain and what new behavior is incentivised. In the end they are designed for you to spend more not less 👀

[@YoutubeSupportOfficialUS]

Agreed. That’s why I like a simple 2% card and paying balance off every month so I’m not incentivized for any particular purchase.

[@countercuIture]

That's why I feel like my Freedom Unlimited is so good for me and also why I'm eyeing the Freedom Flex. I don't travel and am focusing on earning points for cash back by using my card for everyday purchase. I earn hundreds of dollars every couple months, it's great

[@MattWelterOfficial]

Agree with pretty much all of your picks here Daniel! The Capital One Duo is super underrated so cool to see it getting some love from you in the S Tier. The only changes I would make is potentially adding the Bilt Card to the S Tier & the Aspire a bit higher, but overall these were great picks & everyone has different travel/spending preferences. Great video as always Daniel!

[@stevemarshall3508]

I messed up my credits real bad back in 2020. Im just now building it back again and not being reckless. I had a capital one secured card and just got upgraded to an unsecured card and my score is now a little over 700. Im also getting an apartment next month and I’m very interested in the BILT credit cards. Do you think it’s a hard to get approved for??? Especially with my history

[@Jiggy609]

The Bilt is truly S tier..just booked a hotel in Italy with Hyatt points transfer.. all earned from paying for the roof over my head!

[@MattWelterOfficial]

@@Jiggy609 Love that!!

[@JulianLamme]

My only gripe with Capital One is they don't seem to like me. The cards are super good though. Opened a SavorOne when my credit was average (mid 600s) and they only gave me $600. Fast forward to now in the low 800s and about $90k in revolving limits across a few banks they still won't raise it. I guess I could close it and re-apply to try and get out of their "bucket" system but I have annual fee waivers for AMEX Gold/Plat so I pay $0/yr for both of these. Once I start having to pay for those I'll probably try to get back in to the Cap1 cards.

[@KevinHerrera-uh7jd]

Great video Daniel! I have a better understanding of what cards I should apply to. I have question, Capital One offers a “Savor One for good credit” card for those who don’t qualify for the Savor One. What are your thoughts on cards for good credit that Capital One is offers? Is it worth applying for? Thank you!

[@kevvvex]

Whew, that was alot of info and you pulled it off well. Thanks!

[@flogar9850]

Thank you for this super clear overview, much appreciated! Also thank you for not over-ranking the Amex Platinum which has become a joke in my opinion (let's not forget that despite the $700 annual fee, you now have to pay $50 per guest to get access to airport lounges, and that includes YOUR OWN KIDS. Ridiculous).

[@MandoEmmm]

Love this list! I got the United Explorer card for my chase card since I travel a lot for work and the company books almost exclusively on United.

[@OkiDingo]

Love my explorer card

[@MikeMaye]

I'm still FIRST, But to business, I am right now carrying the CSP, CFU, Amex Gold, and VX which I recently picked up with 90K bonus. I am really loving my VX more than I thought I would, but I will see how it fairs after the first year. Your Ranking is about right! Great vid as always Daniel💥

[@OfficialMichaelGlathar]

Great video Daniel! Unfortunately for me the S tier cards with the Capital One cards are the ones I probably won’t be able to get since Capital One is too stingy with me. Otherwise I’d love to get those cards.

[@juliancen2815]

great video Daniel! cant wait to see penn state play my school on 10/12/24!!

[@Daniel_Braun]

Thanks Julian! Just checked the schedule and that's gonna be a great game! So cool to see the teams that will be in the Big 10 next year for some great match ups

[@matthewfelsburg6235]

Crazy we have at least 1 of every tier and multiple a and b tier ones.definitely informative

[@BiologicalGibbon]

Great video, Daniel! If Bilt adds a welcome offer, even as much as 15k points, I'm giving up my 5/24 status even though I have been waiting for a CSP for so long ha!

[@Daniel_Braun]

If Bilt adds a welcome offer than it right up to the S tier for them! Or if they remove the 5 transaction per billing cycle requirement which I forgot to mention here as well. But such a solid card overall and I love having it in my wallet 👍

[@BiologicalGibbon]

@@Daniel_Braun Solid shout on the 5 transactions! Not about if I can or cannot do them, but there's this invisible pressure to do it within the month!

[@cw3extreme]

Daniel, do you consider Chase UR points to be worth more than Cap One points/miles? Seems like the Cap One duo has better spending multipliers than Chase, but it’s all for naught if the points aren’t as useful/valuable! I know it depends on the use case but what’s your opinion? Thanks

[@mike4088]

Would you be able to do a tier list for those of us that have to book through applications like Concur? It’s quite common in business settings. I found the reserve to be my favorite because it gave me 3x back on all my work trip spend categories. I feel like there are better cards though.

[@ricohenderson4090]

Definitely see why you rank AMEX platinum where it is but all you need are 4 benefits from this card to offset the fee. Especially if you add authorized users.

[@christopher6189]

Another great video!

[@RonnieNapkin]

Capital One Venture and Amex Gold were the best decisions I made for myself. Surprised you didn’t mention the standard Venture card! Nevertheless, took me about a week getting used to ‘what card gets swiped where’, but it’s just muscle memory now and I’m reeling in the points between each card!

[@francestan70]

Love your Penn state mug, do you think you can share your experience from Penn State Smeal?

[@faylinameir]

Good video! I stick with no annual fee cards and I figure once I average it out I don't earn anymore than I would if I paid for a card like the amex or whatever. Gotta know how you personally spend money. I got the chase prime card, red card, citi double cash, citi costco visa, scheels card (only signed up for that bonus lol), discover card which I've had for ages, and a few local cards. Works for me because I know what I buy.

[@pancholol2x]

straight to it I like this

[@MontyTheCardNerd]

How you're able to plug so many of your other detailed card/duo/trifecta videos shows what an impressive catalogue you've built. Love the content as usual!

[@JurassicSlapAss]

What's your opinion on the Hot Topic Guest List credit card? Didn't see it on the tier list and just wanted your expert opinion much love from Gary Indiana

[@KevinnPOV]

great video 🤞🏼😁

[@jbraz_00]

looking to get a mid tier card, debating between Amex Blue Cash or the Preferred Chase Sapphire Preferred. I don't really travel that much rn other than gas commuting to work, however, I want to travel down the line. Thoughts?

[@shellybulla8089]

I love the Apple Card for the savings account that pays 4.5% interest per month. I don’t want travel points.

[@RebelTvShka]

That's fine, but you have to pay taxes on that interest, you don't in travel points, it's also not the highest earning card.

[@dylanjonesSD]

@@RebelTvShkaif you don’t fly very often, travel points are useless. I’m in the same boat where I wouldn’t end up using the travel points so it would just be a waste of

[@venate2813]

Sofi is another banking service that offers 4.5% on savings.

[@MysticalMastodon]

Yeah, idk how you can talk about the Apple Card without talking about the savings account. It’s basically a high yield savings account with no fees or minimum balance. And idk how using Apple Pay is a detractor for 2% cash back when virtually every store accepts Apple Pay. The 3% cash back could use some sprucing up, but it’s not a D-level card.

[@gabbsespino]

What you think of Alaska airlines to get flight point or is venture just better. We just want to be able to fly cheaper. You have a video?

[@WayneHenrymd]

Can you do one of these credit card reviews for business cards?

[@itstayayg193]

Whats your honest assessment on the AMEX Plat if I have a $150 AF credit due to having a corporate card? Is it worth it vs a 0 fee card?

[@moonlightpsyche]

with the capital one and discover (possible) merger, what do you think would happen with the discover cards? i’m finally at good credit to be able to consider a discover card.

[@NFace23]

came for the credit card discussion. subbed for the penn state mug

[@168KDW]

Does the top card options in A also the preference I’m Australia too? ❤️

[@jwil4286]

Considering changing my CFU to a CFF. Currently have a CSP as well. Can’t get a signup bonus right now. If Chase took out other categories on the CFU and gave it a base 2% cash back, it would be perfect IMO.

[@alexanderjackson7815]

Got both, but I found sign up bonus online. Try to search again.

[@IFREETHROWMONEY]

great work appreciate this before the end of the year!

[@chrismilligan3511]

A tip for your next video.......I was looking for a link to a spreadsheet or your website with a spreadsheet....I was even hoping that I could pause the video and look at your rankings, but you have the different credit cards stacked on top of each other so I can't read which ones they are.

[@EdwardReese]

Can you also take the APR on carry-over balances for these cards?

[@alexlabs4858]

Could you pay your property taxes with bilt? I don’t have rent/mortgage but maybe property taxes could be a good way to use that? Taxes are expensive here in NY

[@kcinONE]

I was wondering your opinion on something. I’m looking for a new card that gives me straight cash back, not reward credits. I spend 10K+ in expenses (usually home improvement or material stores) and would like a card that gives me the best return. I honestly don’t mind paying an annual fee. I don’t do a lot of travel. At least once a year but no more than 3 times a year. It’s mostly driving and 1 flight a year. What would you recommend to look in to?

[@napahkiin9624]

You should rank airline credit cards! Ive always wondered if i made thw right decision.

[@kaylaalba4590]

What is your opinion for delta Amex credit card ? I am leaning towards capital one savor (orange) card I want use it for travel / resteraunts / food / grocceries / entertainment

[@davisfzg]

Frequent cruisers spending thousands of dollars could find the green card very valuable as it is one of the only cards which counts cruise line bookings as travel.

[@mikeymcpeters7266]

This is a really cool video! I find i have a lot of c tier credit cards but I do use a different strategy to take advantage of it in a different way. I go for no annual fee, 0% intro PURCHASE APR, some type of signup bonus, and a reward rate of some form. I actually get most of these through mail ins. What i do is i put my usual purchases on a %0 apr card, save the amount i owe on that card on a 5% high yield savings account, pay minimum monthly payments, then pay the whole balance off as the intro APR is about to expire. You collect rewards, signup bonus, and interest with this method. I only do cash reward or statement credit rewards as well.

[@Daniel_Braun]

Thanks Mikey! That's a really strategic process you having going on, but that makes sense if you're keeping track of everything and managing it well 👍

[@welbyncastro9169]

You do know that your credit utilization makes up 30% of your credit score. It sounds like your maxing out the card and using all if not most of your credit limit. That will drop your score drastically including the credit hit by applying for the card.

[@SnoringVids]

Would you make a video on P2 strategy to get sign up bonuses. Including how to rotate and get referrals?

[@Daniel_Braun]

Yeah! Thats actually a video that I’m working on right now that should be out in a few weeks 👍

[@SnoringVids]

@@Daniel_Braun awesome thank you I'll turn on notifications!

[@sbodenh]

Any thought about the AAA credit cards? I feel like they'd fit in high B considering no annual/foreign fees and solid 5/3/1 cash back percentages, but no travel perks.

[@elliottnixon-wq6sp]

I think the Boundless should go a bit higher. Marriott properties are much wider than Hyatt so it can help out in a pinch more easily

[@KamilMotyka2005]

What is the best credit card to use on gas purchases for team travel?

[@KrAOLo]

Not a bad list but the sapphire reserve seems to be my favorite. Just the bonuses alone are worth over $1250 a year, TSA is worth a lot and it's 5x not 3x if bought through their rewards portal for traveling. You also need to compare the different visa bonuses which is important for traveling and insurances.

[@dangardner8456]

To me the Saphire Reserve is by far the best - I make between $1500-2K a year using only this card and that's after my yearly premium payment for the card - but I pay the card off every month also....

[@alexandervaldivia8232]

Opinion on the Sofi credit card?

[@allen.9]

capital one's access to lounges is honestly the best feature for me lol. i take cheaper flights with layovers sometimes because I get free lounge access in most airports in the world, which means free meals, coffee, etc.

[@ZXY-tg5ip]

It’s wild for me. I actually find the Amex green card as my s tier card instead of the gold. Especially since I am near a city so the 3x on all travel is awesome.

[@Daniel_Braun]

For people living around a city then the Green card can definitely earn some good points! I really just wish they either had some credits or a lower annual fee + a better sign up bonus. For the right person, the Green card can be good - but I still see the Gold as the better option for most people (assuming the credits make sense for them). Appreciate hearing some of your perspective because it's gonna be different for everyone! 👍

[@bluewtr]

you are so great at this! strongly encourage you to get into finance or investment banking as you are a fantastic communicator and prep research very well.

[@derekrequiem4359]

10:25 I thought that was a typo seeing those annual fees but I looked it up and my mind was completely blown lol 🤯 I can't imagine spending that much just for a credit card!

[@RMC_Elite]

What about Capital one Quicksilver with Capital One Savor? Do those have combined benefits?

[@Sakurasan2023]

Love the video 📹 ❤️

[@Daniel_Braun]

Thank you!

[@Sakurasan2023]

@@Daniel_Braun you're welcome

[@ctbt1832]

I would not put the gold card and the black card in the same category as the Apple card. That’s crazy to do that. I would put it in the F column.

[@Montesmike15]

What makes the freedom flex better than the sapphire preferred besides the sign up bonus?

[@sandy__b]

Not sure if it fits here but Costco Citi card is something I would put it in S or A. Would be interesting to see what you think about it

[@JTeeLockedIn]

Yup I’m applying for the Citi custom cash card for sure

[@davidwaits4834]

Get approved?😂 I want it but I’m too scared

[@jimmycreighton4344]

@@davidwaits4834I have it, one of my best cards

[@ramoanejordan8587]

What tier would the Capital One Venture go? I feel like it’s comparable to the Sapphire Preferred as a stand alone card and not compared incorporating the trifecta. So either A or B tier. Yes?

[@anthonylopez5]

Had an Apple Card ad for this video 😂😂

[@delmarramirez6940]

Could you do a video on how the credit age averages out? I’m a little confused on how it work. Will the age really matter if I leave a 5 year gap between card A and B? Or would a 6 month gap be better?

[@Daniel_Braun]

I actually explained this in a bit more detail with an example in the middle of this video here: kzbin.info/www/bejne/aZ_beJedbbyUaq8

[@avres13]

Personally, I like the Apple card when I’m at work because if I eat in the cafeteria which will have a pizza oven a grill and full kitchen, Chase and Citibank don’t consider a restaurant but as a hospital purchase. But since they have Apple Pay, I at least get 2% back when I decide I want some ribs and a salad for lunch. Seems to work well with my setup with my other 4 cards

[@wingsuitzero]

I think the D grade is harsh. The physical card? Yes but when you do Apple Pay you universally get 2% which is up there with the best cash rewards cards out there. Not to mention Apple Card has the absolute top tier UI.

[@mr.penguin5699]

Very well made video! Kinda off topic *this comment is just a personal opinion* the transitions you use while editing are kind of harsh/fast on the eyes and when you use them frequently it can make a viewer feel like they are being whipped around on a roller coaster. I know you didn’t ask, but personally I think if you dialed the transitions down in motion/quickness/harshness or made those larger faster transitions less frequent it would be a little easier to watch without feeling almost motion sick. Again this is just a personal opinion, absolutely no hate, and free advice if you want to take it into account. Feel free to ignore it if you don’t like it, I just was noticing that while watching the video. The rest of the video is excellent!

[@Daniel_Braun]

This is honestly the nicest way to give feedback that I’ve ever received - and it’s super helpful so thank you so much! I completely understand what you mean and actually agree that the transitions can be toned down a bit, so I’ve already passed that info on to my editor. A few other people said the same thing Thanks again for being an awesome person with helpful feedback that’s critical in the best way possible! 👍

[@keeper1722]

What do people recommend for a young adult trying to build credit and savings?

[@AddySinghNY]

This is an excellent breakdown! Thanks Daniel. I am curious what ranking you would give to the Amex preferred ($95 AF card). Do you think it's worth having or would a different card be better? I use it mostly for transit and streaming

[@jonathanvaladez5916]

I started my credit 2 years ago with capital one platinum and a year ago got the chase freedom flex, i have a 4k credit limit that i always keep under 1k utilitization, my credit score on experian is 716 and on myfico 736, do you think its too soon or my score is too low to apply for the freedom unlimited to get closer to having the chase trifecta?

[@ForrestMcGraw]

I think your odds are good. But you can also look online for pre-approval and pre-qualification with any bank to see if the odds are in your favor. With Chase, you can also make an appointment with the bank to meet and better your relationship with them and to see if they can advise you further. The sign-up bonus for the CFU is really good right now so it is worth pursuing your trifecta.

[@ckhayne2]

How do you feel about the X1 card?

[@darkwoodmovies]

Honestly, great list. Not sure if the AMEX Gold deserves S-tier anymore, since it got $100 more expensive and added no extra benefits. But the new updated Delta Skymiles cards are actually great values IMHO.

[@annMarien]

BofA user here, where could I get a decent loan

[@MK6CHRIS]

Not at BofA

[@KillaZamii]

What’s bofa? 👀

[@dylandwyer4026]

I rock with my WF 2%. Hate having to keep track of everything, simple redemption once a month is all I need

[@naveenthemachine]

Where would you place the United Explorer / quest cards?

[@JBGHacks]

Slightly unrelated but WHAT DO YOU USE TO EDIT?!?!? Holy smokes those transitions were beautiful and the Picture in Picture was chefs kiss

[@Daniel_Braun]

Haha thank you so much! Glad you liked it! Thats all thanks to my editor there - I am not as good with those kinds of effects if I edited on my own

[@kellygarrity5876]

Do you have a video explaining what order you should get cards within each brand? For example in your opinion is it better to get the American Expresses Gold card first (that has a bigger sign up bonus) or start with one of the cards that are “lower” like the everyday blue card.. referring to the sign up bonuses you get from each and then work your way up ! I’m unsure of how to maximize the sign up bonuses within company. Thanks in advance! Love your content Daniel!

[@kellygarrity5876]

Within each different credit card company **

[@WeiliXu88]

I always have a question about different rewards programs - a simple question that has bothered me for years is whether it is worth getting a freedom unlimited for 1.5 chase rewards vs. getting a nonchase rewards card for their x2 points. I don't have unlimited spending in a year. If my points are scattered in multiple programs, then it is difficult to redeem any good rewards for a year or two. With that mindset, I tend to rate trifecta effect more than just credit card ranking.

[@geoffp1]

I’m subscribed bro don’t worry

[@Archangel125]

Consider the standard Venture instead of the Venture X, it still has the 2x flight miles without the huge monthly fee.

[@richard1113]

Interesting rankings and I agree with many of your picks. But I would move some of these around. For instance, the BILT card is specifically for a renter which really limits its appeal. Same for the Hilton card, the Ink card, and other special case cards. I would put these at a C tier. The Apple Card is most definitely NOT a D tier card. Are their some minor problems with it? Sure. But its utility of being a 2% card doesn't change.

[@professordrew]

What do you think about the Sapphire Reserved card compared to the Sapphire Preferred?

[@CokaShimoda]

Where would you put the venmo card on this list?

[@levichuculate8772]

Stupid question but does a business have to get a “business” card or can they get any credit card under the business name?

[@siumaka]

Remarkable that you cover so many so quickly. Would love to know how you rank BOA cards too. AAA cards?

[@Daniel_Braun]

Thanks! Haha yeah I tried to cover a lot here so I had to keep things moving. Obviously there's still a ton of cards that I could cover like those - I'd say for BoA cards like the Customized Cash and the AAA card, those would go in the B tier as solid cash back options. The thing about no annual fee cash back cards is that there's usually little to dislike, but the upside is limited compared to travel rewards. So those would be some examples of more solid B tier cards that I think are worth it for people on Team Cash Back!

[@scottmotsinger5781]

I really wanted to get the capital venture X for vacations I'm planning later this year and early next. Unfortunately I was told I did not have enough credit history (I am only 22 and don't have any accounts more than 3 years) frustrating because me score was still 760 with everything but account age was great.

[@larsonmcdonald]

these constant transitions are INSANE

[@edman2740]

Lol annoying af 😂

[@infidiem4145]

It’s good to have every now and then! But it’s just a little too much haha just gotta dial it back like 40% 😂

[@jorgeanacleto6827]

Savor One is a great card , i agree . I combine it with quicksilver and Venture one

[@passivedividendsoptions]

Best card for utilities? Should we just look for the highest cashback card, like 2% ish?

[@Shreddfase]

What are your thoughts on Bank of America Cash Back? 1% All Purchases 2% On Groceries 3% on your select category. 200$ welcome bonus If you bank with BoA or use their investment branch Merill Edge, if you have 25k stored or higher, it improves the cash back. 100k is where it caps out. Over 2% on all other purchases Over 3%on Groceries Over 5% on your select category. Any thoughts on this?

[@greg_takacs]

I use BofA Premium Rewards card with $95 annual fee with $200 in Airport Incidental/TSA benefit and since I'm BofA Platinum tier I essentially get 3.5% back on travel and dining and 2.62% back on everything else. This is extremely hard to beat with anything else. All the other hoops and carrying a deck of cards just to maximize benefits seems stupid.

[@MuscleMan500]

I'd want to snag the savor one card to take advantage of the $200 bonus then use the gold express card after that. Not sure how reasonable that would be considering my credit history is limited and i'm guessing capital one is somewhat strict on that. My bank estimates my credit score is 725 but i've never utilized credit before.