Best credit cards on Reddit
169 reviews from r/CreditCards, r/PersonalFinanceCanada, r/PHCreditCards and 15 more subreddits
169 reviews from
and
By Brand
/By Product
#1
American Express
4.5
(20)
"Free Priority Pass, and you can bring a +1 free of charge."
"Good welcome bonus, lounge access and travel insurance."
"My spouse and I use points-earning cards from across Amex, Chase, Capital One, Citi, and Wells Fargo."
"I use the Amex Platinum, which is a charge card, not a credit card."
"Amex Rewards. Far more versatile."
"Amex cobolt is the best available card in Canada iirc."
"What I do is have the Amex Cobalt for getting a lot of points."
"Amex plat - Jaraxo explained why."
"Great for travel rewards, especially if you spend a lot on groceries and dining."
"I use amex for travel points!"
#2
AMEX
4.8
(12)
"If you're traveling mostly with AC definitely go for the Amex Aeroplan Reserve."
"I use the AMEX Aeroplan Reserve card (I’m an Air Canada loyalist)."
"If AC, go with the Amex Aeroplan Reserve or TD Aeroplan Visa Infinite Privilege."
"Amex Gold/Platinum gives 2 points (equivalent to a minimum 2%) for every $1 on travel."
"Focus on cards that give the best travel benefits, not necessarily points."
"The $499/yr fee was more than made up for with the points I generated."
"You want the amex aeroplan reserve. You will build status pretty quick on Air Canada."
"Good travel perks (insurances, lounge access, etc) and earn 2x rewards on travel purchases."
"We feel it's worth it."
"Amex plat and venture x."
#3
Capital One
4.7
(11)
"I also favor the Savor from Capital One."
"Capital One is good. Savor is the card I'd go for with them."
"I like the capital one venture x business. Big signup bonus."
"Paid for itself multiple times over already."
"Venture X + Savor One since you travel at least once per year."
"College student: Capital One SavorOne (my #1 pick)..."
"SavorOne is 3% back and the entertainment category is very broad."
"Savor One and quicksilver for bills that don't count as streaming."
"No annual fee and good app experience."
"Capital One and Discover tend to be friendlier issuers for new players."
#4
RCBC
4.7
(9)
"RCBC has the best CS I’ve experienced."
"Dedicated CS hotline, lounge access, easy 0% installment."
"For unli 0%."
"Mabilis din kasi sila sumagot sa hotline and messages."
"Unlimited Installment Feature."
"It’s convenient na wala na akong hihintayin na offer na convert to installment pa and just do it all over sa app."
"I like their CS and real-time sms notifications after using the card."
"Rcbc useful sken ung easy 3 month installment nila."
"Best yung rcbc dahil sa unlipay and installment options."
#5
BDO
4.4
(8)
"For me BDO. Daming promos like cashbacks and dining."
"2 free lounge access via Priority Pass."
"Ang daming deals., even paying for the fee."
"BDO and HSBC for me."
"BDO Plat and UB Rewards Plat, daming perks for food and cashback."
"BDO has the most promos and Buy Now Pay Later for even online shops."
"Promos."
"Daming partner merchants."
#6
Eastwest
4.7
(7)
"I have used the EastWest Visa Platinum for Meralco Online and App payments and the 8.88% cashback is awarded."
"Eastwest VISA Platinum is the best afaik. 8.88% for Meralco via their website."
"8 free global lounges yearly."
"8.88% cashback."
"8.88% cash back on qualified transactions."
"Eastwest Visa platinum 8.88% cashback."
"Cashback 15,000 per annum ata."
#7
Chase
4.7
(7)
"I have really liked my Chase ink business card. Mine came with a promotion - great money back with a certain amount spent... and no interest for the first year."
"Always big contenders with their awesome travel benefits."
"Chase Sapphire Preferred is my favorite and is a good starter card for travel rewards."
"The CSR has unlimited priority pass lounge visits."
"I use chase sapphire it always works for me."
"Chase now has its own beginner credit card called Chase Freedom Rise."
"Get a chase account if you haven't already."
#8
Amex
4.3
(7)
"Amex business platinum gives 150k points after $20k spent in 3 months."
"Gives you 4x points on groceries and restaurants."
"I would suggest you go for Amex Gold charge card giving MR points for fuel spends."
"One such card is the Amex Cobalt which will give you 5x points on grocery story purchases."
"The business plat actually seems like a better card than the personal."
"I prefer Amex BCP and chase FU or SR for my gas and food purchases."
"Might be good options to maximize that category."
#9
Citi
4.2
(6)
"Offers 5% on your most frequent category."
"Citi Custom Cash 5% cashback on $500 spend on a category like grocery/gas/restauarant"
"You get 2% on all purchases."
"Citi Costco card for gas and dining - 4% and 3% respectivly."
"Citi custom cash will get you the 5%, or if you can swing it a travel card."
"It does not have 4% on Costco, there are better cards."
#10
HSBC
3.8
(5)
"5% cash back on qualified transactions."
"Cashback."
"5% cb on dining."
"If you can afford to, go for hsbc premier."
"HSBC literally only has one LTF card lol and it's the platinum card."
#11
CIBC
4.3
(4)
"The best all around one for perks."
"Find it pretty good."
"Premium cards for AC from CIBC or TD."
"Premium cards for Aeroplane from CIBC or TD."
#12
Discover
4.3
(4)
"They usually start your limit pretty low but regularly increase credit limits every 6-12 months."
"Quicksilver is also an option."
"Discover is the 0 Apr card most likely to give you a higher limit and the easiest approval."
"I think everyone mainly starts with the Discover it."
#13
Axis
4.0
(4)
"Take Axis NEO, SBI Simply click/save, ICICI coral, Amazon pay ICICI type entry level cards."
"5X rewards on direct airline bookings (~₹1,000 savings)."
"I use axis ace for 1.5% cb directly on irctc."
"Electricity bill payment using Axis Ace on Gpay(Android) gives 5% cashback."
#14
Wise
5.0
(3)
"Not sure if this is what you are looking for, but how about getting a card from services like Wise or Revoult?"
"Honestly, Wise is a lifesaver for me."
"A Wise debit card is my recommendation."
#15
Scotiabank
3.8
(4)
"Scotiabank Passport...100%....6 DragonPass loungepasses...use points towards travel and 0 foreign exchange fees."
"Scotia passport is pretty good for the lounge access."
"4% cash back on groceries, recurring bill payments, and subscriptions."
"Scotia passport has no forex fees and gives 6 lounge passes per year BUT they are a fucking nightmare to deal with if you are overseas."
#16
SBI
4.7
(3)
"Use SBI Cashback card to buy IOCL Vouchers on Fridays from Park Plus."
"Nothing better than sbi cashback as of now."
"Best combination if you willing to spend some time is collecting Apay GC from Amazon."
#17
TD
4.7
(3)
"I'm an AC 75K with the TD Aeroplan VIP card."
"Air Canada Flight Pass is probably your best bet, plus the TD Aeroplan Visa Infinite credit card."
"I'd look for an aeroplan card. TD has the best one (privilege)."
#18
Rogers
4.3
(3)
"You get at minimum 1.5% cashback and if you have any Rogers, Fido or Shaw services, it's 2% cashback."
"Gives you 1.5% in Costco if you are not a Rogers/Fido user, 2% if you are."
"2-3% back no thinking needed."
#19
SavorOne
4.0
(3)
"SavorOne. That will get you 3% on groceries, dining, streaming services, & entertainment."
"You have 3 options: 1) SavorOne, best for general use travel points."
"SavorOne is 3% back."
#20
HDFC
3.7
(3)
"5% cashback on MakeMyTrip."
"33% rewards on SmartBuy bookings."
"If you simply want to avoid any forex charges then there are many zero forex cards like Uni Cards or Neo card."
#21
American Express Cobalt
5.0
(2)
"Amex cobalt for 5x at grocery stores."
"The best combo is Amex Cobalt (for the points multipliers) and TD Aeroplan Visa Infinite or Visa Infinite Privilege."
#22
Chase Sapphire Reserve
5.0
(2)
"We maintain our Chase Sapphire Reserve account in Europe."
"Chase Sapphire Reserve (or preferred if you don't want to pay the annual fee for the reserve)."
#23
Capital One Savor One
5.0
(2)
"I would say the capital one savor one which gives 3% back on groceries, dining, entertainment."
"Capital One & Discover are usually the best starter options!"
#24
ADCB
4.5
(2)
"No card beats ADCB Traveler."
"Definitely keep ADCB Traveler."
#25
Infinia
4.5
(2)
"Point wise- infinia."
"Look for Tata Neu, Infinia, Regalia, Axis Select."
#26
US Bank
4.5
(2)
"US Bank Cash+ is 5%. Theater is one of the 2 categories you can choose."
"USB cash+ set categories to clothing stores and department stores."
#27
American Express Platinum
4.5
(2)
"Best rewards bonus is Amex platinum. Best rewards to earn is Amex cobalt."
"Amex also fits in your spend and rewards category."
#28
AC
4.5
(2)
"If you want to use points for international travel this is a no brainer."
"Get the infinite privilege card don't take the cheapest fair and you will hit elite status."
#29
Southwest
4.0
(2)
"If you're a points guy and fly exclusively Southwest then the Southwest branded cards might work for you."
"Obviously I’d look into Southwest branded cc."
#30
U.S. Bank
4.0
(2)
"If you use the U.S. Bank Cash+, then you can get a SUB and get 5% cash back."
"Utilities: U.S. Bank Cash+ or Elan Max Cash Preferred."
#31
Barclays
4.0
(2)
"I’m flying business from Heathrow to Melbourne in May for 160k Avios and £600."
"If you spend a lot and can get value from the points, Barclays Avios Plus."
#32
Aeroplan
4.0
(2)
"I would also go with AIr Canada. And buy gift cards from CAA."
"You should get one of the Aeroplan partner cards and focus more on building status with AC."
#33
Chinabank
5.0
(1)
"Lagi ko siya ginagamit when im shopping abroad."
#34
Duo
5.0
(1)
"Better to take Duo card and get 5% back without minimum spend."
#35
NBF
5.0
(1)
"NBF CASHBACK CREDIT CARD, NO MINIMUM SPEND NEEDED."
#36
Sharjah Islamic Bank
5.0
(1)
"Sharjah islamic bank gives you 10% cashback."
#37
EastWest
4.0
(1)
"Eastwest and UB for mw."
#38
World Elite
4.0
(1)
"World elite is good, I’m sure you are getting lounge access there."
#39
Neo
4.0
(1)
"You get good points and good cash back."
#40
Air Canada
4.0
(1)
"If ai had to fly regularly, I would also go with AIr Canada."
#41
Amazon
4.0
(1)
"Try to apply for Amazon pay card, it's LTF and gives 3% cashback for non-prime users."
#42
UB
4.0
(1)
"The UB Reserve Mastercard for me."
#43
AAA
4.0
(1)
"AAA Daily Advantage does in a fair number of Walmarts."
#44
RBC
4.0
(1)
"He got the RBC WJ mastercard and flew WJ only."
#45
Lloyds
4.0
(1)
"If you spend a lot, Lloyds World Elite."
#46
ADIB
4.0
(1)
"If looking for Emirates skyward card or Etihad airline card contact me."
#47
RBL
4.0
(1)
"As of now 1. Rbl xtra Indian oil."
#48
Costco
4.0
(1)
"The Costco credit card gives amazing cashback on travel for this specific purpose but you do need a Costco membership."
#49
IRCTC
4.0
(1)
"10% cashback on IRCTC bookings."
#50
IXIGO
4.0
(1)
"Effectively 5% rewards in terms of ixigo cash."
#51
Security Bank
3.0
(1)
"Security Bank's Platinum card and ok sya gamitin for big purchases."
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