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Confused About Credit Cards?
Here's What You Need To Know. 

_{TL;DR? 1️⃣ Start with a cash-back card. 2️⃣ Follow the golden rules of responsible credit use. 3️⃣ Let AwardWallet do the heavy lifting as you grow.}

There will be a time and place to sort out those "future you" credit cards with travel perks or niche benefits. But if you're just starting out in your career, cash-back credit cards are the smartest move.

^{The following are our honest suggestions, no affiliate links or kickbacks apply.}

Here’s your credit card Roadmap:

1️⃣ Wells Fargo Active Cash® Card

A low-interest, cash-back option offering unlimited 2% cash back on all purchases. Simple, rewarding, and great for everyday spending.

Other perks include:

➡️ 0% introductory APR on purchases and qualifying balance transfers for 15 months (variable APR of 19.99% - 29.99%).
➡️ No annual fee, so your rewards go straight to you.

2️⃣ Citi® Double Cash Card

Earn 2% cash back on all purchases: 1% when you buy and 1% when you pay it off.

Other perks include:

➡️ 0% introductory APR on balance transfers for 18 months (variable APR of 18.49% - 28.49%).
➡️ No annual fee to maximize your savings.

The Bottom Line? Your credit card should work for you, not against you. Choose one of these cash-back options, use it wisely, and always pay it off. No gimmicks, no debt—just smart money moves.

Your Credit Card Game Plan

Now that you’ve got the right card in hand, let’s talk about how to use it like a pro. Follow these steps to maximize your credit card benefits:

1. Use it wisely.
   Put recurring expenses like rent, groceries, or bills on your card—it’s the easiest way to rack up cash-back rewards without overspending.

   Example:

• Monthly bills = $2,000

• Cash back = 2%

• Total earned = $40/month or $480/year...just for living your life.

That’s free money in your pocket, no complicated budget required.

2. NEVER carry a balance.
   This is non-negotiable. Always pay off your card in full every month. Carrying a balance means paying interest, which cancels out your rewards. Don’t let that happen.
   

3. Build your credit…don’t break it.

   Responsible credit card use boosts your credit score, which is critical for renting apartments, getting loans, and even landing some jobs. Pro Tip: Keep your spending below 30% of your total credit limit, and you’re golden ⭐️

App of Our Eye

Ready to take your credit card game to the next level? Meet AwardWallet, the app that keeps track of all your rewards, points, and miles in one place.

Why You Should Care:
Because juggling multiple cards and perks is a full-time job!

With AwardWallet, you can…

• Monitor All Rewards: Track your cash-back totals, credit card points, and travel miles effortlessly.

• Never Miss Expirations: Get alerts when rewards or points are about to expire.

• Optimize Your Spending: See which card gives you the best rewards for each purchase.

Think of it as your personal credit card assistant. As your financial journey grows – whether it’s snagging that dream apartment or upgrading to travel rewards – AwardWallet ensures no perk gets left behind.

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