Also, what's your favorite one?

0
fuck the banking system, dont need them, cash all the way
renounced citizenship few years ago, no ID, no passport so is not like could apply for credit card nowaday anyways

there's that channel on youtube "caleb hammer" that does financial audits on his guests, most people just aint credit card persons and keep going into debts and more debts because of these
credit card debt ruined alot of people's lives...

I would agree. If you are irresponsible with you and your family's' finances and budgeting then you should go 100% cash.

2.

Just a normal rbc cash back one with no fees that I can use for places that don't take AMEX. AMEX cobalt being the main card.

No real favourite, honestly don't look that much at rewards, life spend is pretty low.

I've never heard of the American express Cobalt. I've also wanted an American Express but like you said, an annual fee doesn't seem worth it. I've considered getting the Blue Cash American Express which gives 250$ rebate and 6% on stream and supermarkets but have always seen the annual 95$ fee as something I don't want to deal with.

Robinhood gold card for 3% cash back on everything that isn’t a business expense. Capital one spark card for business expenses.

Nice, I'm lucky enough to have the Robinhood gold card as well. That thing is the absolute goat credit card right now.

Unfortunately, I don't have a small business so I don't have the spark card. Just looked it up, it seems legit. I do have the Capital One Savor for the 3% on dining, entertainment, and streaming but since I got the Robinhood Gold, I never use it.

This post was edited by Jenkem on Nov 17 2025 02:15pm

2 - mc + visa

I personally like to rotate them based on rewards intro offers (can't do this too often of course because it does leave a temp mark on your credit score, but on the flip side once that hit falls off -- assuming you manage your debts properly and do not retain revolving credit card balances -- that means your credit may actually increase because of a higher combined total credit limit).

I made $238 so far just from buying Christmas presents this year ($200 intro rewards + $38 on those sames purchases as regular rewards). I paid $0 interest because I zeroed out the balance as soon as the charges processed. Just knowledge sharing in case it may help anyone else

When it's not the right period of time for a new introductory card, my "daily driver" is a WF card with very good cash rewards. That usually nets me roughly $30 a month (hey it's not much but it's free money just for buying everything I would have needed to had I used cash and then I get 1-2 week's worth of Free gas a month).

If you can be disciplined enough to only spend on the card what you can afford to pay cash at that very moment, you can profit regularly because then no interest can be charged because you'll pay it off instantly (and regularly maintain a high credit score).

*This is simply my personal experiences following the strict and rigid method explained above. There is no room for error in this "game" and credit cards can cause financial ruin in the wrong hands. None of this should be considered a replacement for professional money management advice.

This post was edited by CyrusTheGreat on Nov 17 2025 06:50pm