In the past, I’ve asked for your help in identifying the best credit cards. Well, while perusing Get Rich Slowly the other day, I learned that Card Ratings is running a poll of their own.
This is a simple five question survey that seeks to identify the best credit cards in each of the following categories:
- Cash back credit cards
- Airline rewards credit cards
- Reward points credit cards
- Value credit cards
- Credit card customer service
They’ll be compiling and publishing the results during the first week in January. It should make for interesting post-Holiday reading for finance junkies like me. 🙂
As for my preferences…
I’m a big fan of Blue Cash Everyday Card from American Express when it comes to cash back credit cards. Even though AmEx isn’t as widely accepted as certain other cards, this is still a very good card with generous rewards.
For airline rewards, I like the Platinum Delta SkyMiles Card, also from American Express. Of course, your preference here will likely be governed by airline preference, so it will probably be harder to pin down a “best” in this category.
For reward points, I guess my favorite is the Chase Freedom® card, which recently went from being straight cash back to a points-based reward system (though you can easily redeem your points for cash). Note that Card Ratings still lists this one in the cash back category despite the recent change.
For value cards I don’t really have a preference, so I left this one blank. We never carry a balance, so costs (i.e., interest rates) don’t matter to me. I pretty much pick cards solely based on the details of their rewards program.
Finally, I’m a big fan of American Express customer service. Every time I call, they answer quickly and the rep is always well-trained and knowledgeable.
What about you?