So I'm a 21 year old college student who will be studying abroad for the year in Germany starting in about a month. My main source of money will be wiring money from an account in the States to a German bank account, but as an emergency source of funds (just in case anything happens), I'm currently looking for a credit card to take with me.
The two cards I'm currently looking at are the Citi Simplicity card and the Citi ThankYou Preferred card. I like the fact that they both have an EMV chip (which is much more accessable in Germany vs a magnetic strip), and they both have their own individual perks. Simplicity's no late fee deal is nice, but I do like the ThankYou points. I had a Citi Forward card for a while ($4000 CL, insane 23.99% APR), and I did enjoy the ThankYou points from that card.
My mom will be obtaining the card for me and will be adding me as an authorized user since I have a relatively limited credit history. My question for everyone is which card do you think would be better? It's my understanding that Simplicity is better for balance transfers, and since I don't have a balance to transfer, it would be okay to take advantage of the perks of the ThankYou Preferred as long as I pay it off at the end of the month and don't make late payments. Like I said, this card will be for emergencies only for the most part. I'll be putting $100-$200 on the card every month just to keep it active (I can afford to pay this off at the end of the month myself), but other than that, it will only be used for emergencies only. Any emergency charges that get put on the card my mom will help me pay, so I don't have to worry about that.
Thanks for the input!