3lite wrote:Once you recommend me which credit cards to get, I will start utilizing them for everything I buy. I don't think I am ready for an annual fee type of Credit Card unless I know I can make that money back.
As stated above, you need to give us a lot more info if you want recommendations. No AF narrows it down a bit but there's a massive list of no AF cards. What are you major spend categories? It's certainly possible to make back an AF if a card's rewards and your spend work out but we don't have any of that info from you. What rewards and benefits do you want? Give us as much info as possible. Otherwise it's just up to you to browse around and find a suitable card.
3lite wrote:And is paying rent with a credit card good?
It's neither good nor bad in and of itself. It sounds like you need to spend some time reading up on credit scoring. Your credit isn't scored based on what specific purchases you make. It's all about payment history, utilization, AAoA, number of accounts, derogs, etc.
Charging and paying bills that you're already paying with cash is a good way to increase usage without increasing debt, assuming that you continue to treat the charges as cash payments and pay off those charged amounts.
3lite wrote:I have only used the credit card a dozen or so times to be honest.
If that's the case then you've probably had 0% utilization the majority of the time. For optimal scoring you'll want to avoid 0%. However, as stated above, 30% is the generally recommended limit. Under 10% is generally ideal.
mdl28 wrote:Amex blue cash everyday, it has no annual fee and can open some doors for you in the future.
If you don't have an AmEx membership it can be beneficial considering that AmEx backdates. Also Google and read the 3X CLI thread (not on this site).