Thanks, everybody for the advice!
Nope, I'm not buying a house, probably not in the next decade, if ever.
And if I did, I'm sure the lender would care a LOT more about whether I have reportable income than a credit card lender does! (I'll probably need income in a few years anyhow.)
I think I'm just going to apply for a card (or two) soon and see if I'm approved and what CL I get.
- Prefer Visa/MC for wider coverage; might get AmEx as a second card.
- No annual fee. (Back of the envelope calculation...1% rebate would cancel out $100 annual fee)
- Good rebate program.
My definition of good includes not making me jump through hoops like sign up for this special rebate category every three months, or track which card has a better rebate at grocery stores and which card has a better rebate at gas stations.
- Good customer service and low/reasonable fees. Sadly credit card fraud comes up more and more often these days.
Less important: Interest rate -- I don't expect to pay it often.
DON'T CARE: Intro balance transfer rate--nothing to transfer
I want to apply for the card, use the card, and pay the bill every month, without being bothered by it.
Does the Citi Double still sound like a good choice for me? Are there other cards that sound as good or better?