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.

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points


CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Regular APR
15.99%-22.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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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.