Recent wrote:I've paid all of my balances (though I used a lot of money on it, but I have never reached the limit--$1000) each month on time, so it should report has 0% utilization, correct?
Reported balance is a snapshot of your account each month, generally statement balance, so even if you pay in full it still reports the statement balance (or the day it gets snapshot).
They will report how much you owed and how much you paid, normally on a monthly basis, which means if you pay down the balance then credit report may not reflect that immediately.
Recent wrote:Also, I see that AmEx cards have annuals fee and of course not every place accepts AmEx cards. I would like to apply for a 3rd card, one that is accepted everywhere.
The Blue Cash Everyday, Blue Sky, Everyday card do not have annual fee.
Technically it is impossible to find a card that is accepted everywhere as Costco only takes AMEX when talking about credit cards (other debit cards are still accepted) while AMEX is not accepted everywhere. Even the DMV in my place do not accept Visa cards. The best you can do to widen acceptance is to keep cards with different networks.
Recent wrote:I would like to use to accumulate maximum points to travel in the future. I do not know what is better, one that offers air miles or hotels.
For your info, Chase Sapphire Preferred can transfer points to airline and hotel programs; AMEX's Membership Rewards cards also have this feature.
If you have a specific loyalty program then you can also consider a card related specifically to that (like the Marriott, Hyatt, British Airways, United Mileage cards and so on).