TPG Readers Reveal Their Favorite Credit Cards

May 6, 2018

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Whether you’ve got a modest number of credit cards in your wallet or, like some members of The Points Guy’s editorial team, have more than 40, everybody’s got a favorite. Mine happens to be the Chase Sapphire Reserve, which has come in handy for all the travel and dining purchases I’ve been making while living abroad in Australia.

Last month we asked our TPG Lounge readers to reveal the credit cards they regretted signing up for. This time around, we asked them to share their favorite credit cards and why they deserved such an honorable title. A whopping 212 comments later, here’s what folks had to say. (Some responses have been lightly edited for style and clarity).

The Usual Suspects

We weren’t surprised to see a few of the crowd favorites mentioned regularly. After all, The Platinum Card® from American Express, the Citi Prestige and the Chase Sapphire Reserve are often near the top of our own lists of favorite cards.

“Chase Sapphire Reserve (CSR). The 3x points earnings on dining helped me get the points I needed for my honeymoon. I always find myself eating out with guests so it works out.” — Wil L.

“CSR. [I have] just about enough miles to book PHL–SYD for New Year’s.” — Timothy O.

“CSR, especially with the numerous ChasePay/BestBuy promotions that have been going on. I stocked up on gas and grocery gift cards so I am getting 10 points per dollar on those purchases in addition to the 3x points per dollar on travel and dining. It was just a partnership with Best Buy, 10 points per dollar up to $300 and what I did was buy $300 gas or grocery gift cards each time.” — Paul G.

The Chase Sapphire Reserve is definitely a crowd-pleaser — and a TPG staff favorite as well.
The Chase Sapphire Reserve is definitely a crowd-pleaser — and a TPG staff favorite as well.

Citi Prestige. [With the] 4th Night Free, we got $650 back while staying at the Waldorf Astoria Beverly Hills. This summer we are going to Hawaii [and are looking at getting] $725 back for a night at Aulani, a Disney Resort, and $750 back for a night at the Fairmont Kea Lani in Maui.” — Peter J.

“I love my Citi Prestige. It is not my favorite but it is my most profitable card because I travel for four nights every week for work and my travel expenses are reimbursed so I get to pocket the 4th night free rebate from the card. I get thousands of extra dollars from that and it’s completely legal/ethical to keep a rebate!” — Shana G.

“Amex Platinum for the Fine Hotels & Resorts deals, Centurion Lounge access and gold status with Marriott/SPG/Ritz-Carlton.” — Alex L.

“Amex Platinum for GE/PP reimbursements, upgraded hotel status, Centurion Lounge access, 5x points on airfare, Uber reimbursement, $200 travel credit, plus the Concierge is awesome! They email me recommendations for great restaurants and make reservations for me.” — Shey T.

Other Cards With Great Perks

We were a little surprised to see the variety of credit cards that people said were their favorites, but given the reasoning behind their choices, it’s easy to see why they made the cut.

“The Uber Visa card! No annual fee, good points redemptions and no foreign transaction fees.” — Kevin D.

“Because I live three minutes from an American Airlines hub, I like the Citi AAdvantage Executive World Elite Mastercard. Paired with my platinum status, the benefits in the airport and on the plane are excellent.” — Jacob B.

“I’m actually loving my Capital One Venture Rewards Credit Card because I’m combining it with the 10x miles offer for With that combo, I’m wracking up the Venture Miles and free nights on” — Julia T. (Offer ends Jan. 31, 2020)

“The U.S. Bank Altitude Reserve Visa Infinite Card [gives you] 3x points on Apple Pay transactions and travel, including Uber. Stellar customer service with no hold time and reps that know their stuff. Real time rewards redemption using whatever travel site I want. Happy as a clam.” — Bryan S.

“Oddly enough, The Amex EveryDay® Card From American Express. It’s not the biggest earner but with no annual fee, a solid welcome bonus, free AU, 20% bonus after 20 transactions, 2x points at grocery stores and the ability to transfer to travel partners, it’s been holding it down! A keeper card everyone should have.” — Randall W.

“The M Life Rewards Mastercard. I am from Las Vegas and it gives me free parking at the casinos, plus I can use the comps points to take the wife for free nice dinners, shows, concerts or [use them for] free staycation hotel rooms. The card just looks cool. My favorite was the Platinum Delta SkyMiles® Credit Card from American Express until they changed the MQD wavier requirement for Diamond from $25,000 to $250,000.” — Art H.

(Photo by Rebecca Ang via Getty Images)
If you’re a frequent Vegas visitor, the M Life Rewards MasterCard might be a good option. (Photo by Rebecca Ang via Getty Images)


“Chase Freedom because I get 5x points this quarter for groceries I have to buy anyway. I reach the $1,500 limit very easily.” — Kathy R.

“If you can get it, the JP Morgan Reserve is the best. All the CSR benefits plus United Club access. What’s better than that?” — William B.

“The Amex Hilton Aspire Card. With 7.2% return on Hilton purchases, 3.6% on restaurants/groceries/gas, 1.8% on everything else, it’s quite well-rounded.” — Adam B.

“I actually love my FoundersCard. Finally got to use it a bunch this year. Great value.” — Derek K.

“How about my Disney debit card from Chase? I like Mickey Mouse and magic!” — Fanxing Z.

Why Pick Just One?

Of course, no one said you only had to have one favorite card. Sometimes a couple of them deserve the top spot in your wallet.

“Chase Sapphire Reserve for travel and dining, and The Blue Business®️ Plus Credit Card from American Express for everything else. 2x Membership Rewards up to $50,000 in spend (then 1x) with no annual fee makes it an amazing card.” — David K.

“[Chase] Sapphire Reserve and the IHG Rewards Club Select Credit Card. If I don’t have any minimum spend, then the CSR for food, the Premier Rewards Gold Card from American Express for gas. Everything else, Chase Freedom Unlimited and SPG Amex, and 5% category freedom only for bonus.” — Sunny K.

“The Starwood Preferred Guest® Credit Card from American Express for non-bonus spending for the 1:3 transfer to Marriott (until August) and for the Amex offers I load to my account. CSR for 3x points on travel and dining.” — Ann W.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

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More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.