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RD Cards and Credit
My Favorite Cards
What's In My Wallet
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RD Cards and Credit
My Favorite Cards
What's In My Wallet
Resources
  • Can't Miss Offers
  • Guides
Find Your Card
More
  • My Favorite Cards
  • What's In My Wallet
  • Resources
    • Can't Miss Offers
    • Guides
  • Find Your Card
  • My Favorite Cards
  • What's In My Wallet
  • Resources
    • Can't Miss Offers
    • Guides
  • Find Your Card
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My Favorite Cards

Chase Sapphire Preferred®

This was my first travel card and still has a deserved place inside my wallet. It provides great earnings on dining and streaming services, and the Chase Ultimate Rewards points it rewards me with are very valuable. Transfer partners are a strength as they include popular options like United and Hyatt.

Learn How To Apply

Capital One Venture X®

This is my catch-all-card and luxury travel buddy. Not only does it earn a flat 2X back on all purchases, it also carries luxury travel benefits that match up with the best cards on the market. The $395 annual fee is easily offset by the $300 travel credit and 10K anniversary miles.

Learn How To Apply

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

This card seems to hold the best value in the American Express Line of Delta cards for its companion ticket after renewal of the annual fee.


‼️ Try below link in private/incognito browser to see if you get an elevated AmEx offer ‼️

Learn How To Apply

American Express® Gold Card

Delta SkyMiles® Platinum American Express Card

One of the best food and dining cards on the market. If you're able to earn 4X back and offset the annual fee via credits, it can be incredibly powerful. 


‼️ Try below link in private/incognito browser to see if you get an elevated AmEx offer ‼️

Learn How To Apply

Chase Freedom Unlimited®

This is a catch-all option and the most popular in the Chase Freedom family. It earns a flat 1.5% cash back on everything, which can be converted to Ultimate Rewards points and redeemed for travel if you hold one of the sapphire cards.

Learn How To Apply

Bank of America® Customized Cash Rewards

No annual fee, 3% cash back on a category of your choice (including online shopping), and the upside of Preferred Rewards makes this a versatile cash back option for your wallet.

Learn How To Apply

Chase Freedom Flex®

This is a complimentary card and my favorite in the Chase Freedom family. It earns generous rewards as well as provides rotating quarterly categories that earn 5% back in some of my most commonly spent-in budget lines.

Learn How To Apply

Blue Cash Preferred® Card from American Express

A fantastic (and underrated) card for those who spend frequently at the U.S. supermarkets, select streaming services, and on gas. 6% back up to $6K spend per year.

Learn How To Apply

About Me

Welcome!

Hi all, my name is Rick. I'm thrilled to have you here as I share my experiences and insights about the world of credit cards. My journey began with a simple desire to understand how credit cards work and how they can be used to enhance financial well-being. Over time, I discovered the many benefits they offer and how, when used responsibly, they can be powerful tools for managing finances, building credit, earning rewards, and enhancing your life.

What's The Latest

Tools I Use:

Affiliate Disclosure

Using the links on this website and my YouTube channel is the #1 way to support the work I do and the content I provide at no cost to you - for all those that use them... THANK YOU! I truly appreciate it.


RD Cards and Credit is part of an affiliate sales network and receives compensation for sending traffic to partner sites such as MileValue.com and Daily Drop. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. 


DISCLAIMER: I am not a financial advisor, investment advisor, or a tax professional. My content is for entertainment and educational purposes only. 


Content on TheRDGuarantee represents my own individual experiences and perspectives, and your experience may differ. Please do your own research and obtain professional advice regarding all credit decisions before attempting to duplicate any of the techniques described on this website.


Copyright © 2025 The RD Guarantee - All Rights Reserved.

  • My Favorite Cards
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