Credit card info?
Hi all. I am thinking about getting a credit card for emergencies and to build credit (mine is essentially nonexistent right now) for later needs (car-and-house-type stuff) and was wondering if there's a particular company/ organization that offers the best rates or rewards, or if getting a rewards card is even worth it for someone who will not be using it to make large purchases. -I currently have no debt, nor have I had any in the past. -I am single, I rent with my S.O., I bank with Chase (I have a checking account with ~$1000 and a savings account with ~$3000) and have for years, I have long-standing electric and water accounts in good standing in my city, and I have had my full-time job for about a year. I might be leaving soon, but not before I have another job lined up. -I will probably use this card to pay for things I would normally use my debit card for and pay it down each month: groceries, haircuts, prescriptions, possibly eating out from time to time. About $250 a month will go on it. -I like the idea of rewards (cash back, ff miles, credit w/ Amazon and the like) but am not attached to them since I don't know if I'll be spending enough to build them significantly and especially don't want to get a card with higher rates/ more likelihood of screwing me over just for the rewards. -I am especially interested in this card, but 19.9% if you're at all late or overcharged? Is that normal? Obviously I'm a total naive n00b about this. Should I even get a card? Are there other ways for me to build credit that would be more productive and less risky? Please share your own experiences, resources, and suggestions if you are so inclined, and thanks in advance!