You are making a mistake if you use your credit card to obtain credit, as in borrowing money to purchase goods and services. The interest rates and fees on outstanding credit card balances are very high - often exceeding 20% APR. Credit cards are useful and allow shopping without carrying large amounts of cash or writing checks. They are much better considered "convenience cards" with the added benefit of points or cash back. Picking the right card to get rewards that you value and match your spending patterns lets you get the most value. But remember convenience, not credit.