Credit Cards reviews from Reddit
Summary
We analyzed 185 Reddit reviews across 21 subreddits and 61 posts to rank the best Credit Cards brands recommended by redditors, including communities like r/CreditCards, r/PersonalFinanceCanada, r/PHCreditCards, r/CreditCardsIndia, r/TravelHacks. Top-rated brands include American Express (4.4/5), Capital One (4.6/5), AMEX (4.8/5).
Stats
Reviews185
Subreddits21
Posts61
Brands58
Products81
185 reviews from
and
By Brand
/By Product
#1
American Express
4.4
(23)
"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
Capital One
4.6
(18)
"Capital One Venture X. Then get a Chase Sapphire Preferred for the bonus offer."
"They also give you 10k miles (equivalent to $100) each year on your card anniversary and you also automatically become a Hertz Gold Circle Member."
"Venture X is the best card for travel I have ever had."
"I have the Capital one Venture X and while initial layout is $300 more than the regular Venture card I immediately get a $300 yearly travel credit and lounge access."
"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)..."
#3
AMEX
4.8
(14)
"AMEX Gold, period!"
"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."
"Get an amex plat and an CIBC/TD Aeroplan VIP or Amex Aeroplan Reserve card."
"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."
#4
Chase
4.7
(9)
"The Chase ecosystem is always a good bet, get a CSP if you don't have one already."
"Recently, though, the Chase Sapphire Preferred Card has been one of the best credit cards for a big initial bonus and a low annual fee."
"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."
"I use chase sapphire it always works for me."
"Thanks for the insight! I'll look into CSP for sure."
"Chase now has its own beginner credit card called Chase Freedom Rise."
"Get a chase account if you haven't already."
#5
Amex
4.3
(9)
"Amex Plat Travel. 4 lacs spend translates to around 8% return."
"Amex business platinum gives 150k points after $20k spent in 3 months."
"I like the Amex BA Premium Plus card."
"I would suggest you go for Amex Gold charge card giving MR points for fuel spends."
"I’ve been using Amex Platinum Cashback since forever but just taken the plunge to switch to the Platinum Rewards."
"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."
#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
BDO
4.3
(6)
"For me BDO. Daming promos like cashbacks and dining."
"2 free lounge access via Priority Pass."
"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."
#8
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."
#9
SBI
4.4
(5)
"Use SBI Cashback card to buy IOCL Vouchers on Fridays from Park Plus."
"Nothing better than sbi cashback as of now."
"Use SBI Cashback card to buy Indian oil vouchers in park+ app to get 5-8% CB."
"Octane on rupay."
"Best combination if you willing to spend some time is collecting Apay GC from Amazon."
#10
Rogers
3.8
(5)
"You get at minimum 1.5% cashback and if you have any Rogers, Fido or Shaw services, it's 2% cashback."
"The Rogers Mastercard gives 3% back on everything if redeemed towards their bills."
"Gives you 1.5% in Costco if you are not a Rogers/Fido user, 2% if you are."
"2-3% back no thinking needed."
"I have been using Roger’s but now changed because of poor customer service"
#11
RCBC
4.5
(4)
"For unli 0%."
"Unlimited Installment Feature."
"Rcbc useful sken ung easy 3 month installment nila."
"Best yung rcbc dahil sa unlipay and installment options."
#12
Discover
4.3
(4)
"I also really like the Discover It card. It has 5% rotating quarterly categories."
"Discover is very appealing when starting your credit journey."
"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
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."
#14
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."
"Has no FX fee and comes with 4 or 6 lounge pass."
"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."
#15
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)."
#16
CIBC
4.3
(3)
"The best all around one for perks."
"Premium cards for AC from CIBC or TD."
"Premium cards for Aeroplane from CIBC or TD."
#17
HSBC
4.0
(3)
"5% cash back on qualified transactions."
"Cashback."
"5% cb on dining."
#18
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."
#19
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!"
#20
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)."
#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
ADCB
4.5
(2)
"No card beats ADCB Traveler."
"Definitely keep ADCB Traveler."
#23
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."
#24
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."
#25
Infinia
4.5
(2)
"Point wise- infinia."
"Look for Tata Neu, Infinia, Regalia, Axis Select."
#26
Chase, Capital One
4.5
(2)
"Just get a general card that offers lots of travel points. Chase Sapphire and Capital One Venture are the best for this."
"Chase Sapphire did us well for a while. Now, I’m using Capital One venture X."
#27
BPI
4.5
(2)
"The cashback really helps."
"Bawing bawing sa PAGSS at 50% off discounts sa mga restos."
#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
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."
#30
Axis
4.0
(2)
"I use axis ace for 1.5% cb directly on irctc."
"Electricity bill payment using Axis Ace on Gpay(Android) gives 5% cashback."
#31
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."
#32
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."
#33
RBC
4.0
(2)
"Has been my go to now for 3 years."
"He got the RBC WJ mastercard and flew WJ only."
#34
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."
#35
Sharjah Islamic Bank
5.0
(1)
"Sharjah islamic bank gives you 10% cashback."
#36
Atlas
5.0
(1)
"Atlas, Infinia."
#37
HDFC
5.0
(1)
"For zero forex credit card: hdfc infinia, dcb (both with global value program), axis magnus (burgundy)."
#38
ICICI
5.0
(1)
"It has unlimited lounge access both domestic and international and you can add on three more people who will get same benefits."
#39
NBF
5.0
(1)
"NBF CASHBACK CREDIT CARD, NO MINIMUM SPEND NEEDED."
#40
Duo
5.0
(1)
"Better to take Duo card and get 5% back without minimum spend."
#41
Chase, American Express
5.0
(1)
"Chase Sapphire Reserve and the American Express Platinum Card have been among the top options for a while now."
#42
Chinabank
5.0
(1)
"Lagi ko siya ginagamit when im shopping abroad."
#43
Tangerine
4.0
(1)
"I would look at the Tangerine Mastercard in that case."
#44
EastWest
4.0
(1)
"Eastwest and UB for mw."
#45
Lloyds
4.0
(1)
"If you spend a lot, Lloyds World Elite."
#46
UB
4.0
(1)
"The UB Reserve Mastercard for me."
#47
World Elite
4.0
(1)
"World elite is good, I’m sure you are getting lounge access there."
#48
Amazon
4.0
(1)
"Try to apply for Amazon pay card, it's LTF and gives 3% cashback for non-prime users."
#49
Elan
4.0
(1)
"Elan Max Cash Preferred for utilities."
#50
SIB
4.0
(1)
"Grab SIB Cashback for general retail/shopping."
#51
Deem
4.0
(1)
"You will get cashback in terms of Milesup points."
#52
Wells Fargo, Discover, Robinhood
4.0
(1)
"We like the wells fargo autograph, discover it card, and, if you can manage to get it, the robinhood gold card."
#53
Dubai
4.0
(1)
"Dubai first card is good"
#54
Unionbank
4.0
(1)
"6% cash back on groceries."
#55
Capital One, AMEX
4.0
(1)
"I have both the Venture X and the Amex Platinum. I think the Venture X is a better deal all around."
#56
Security Bank
3.0
(1)
"Security Bank's Platinum card and ok sya gamitin for big purchases."
#57
Bank of America
3.0
(1)
"Potentially gets 5.25% Walmart.com."
#58
RBS
3.0
(1)
"0.75% uncapped cashback credit card"
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