>>21710808I couldn't really make suggestions for companies because what they would offer you for the terms of the cards and which rewards programs they would offer you depend on what your credit is like. If you're just starting out it'd probably be a good idea to just see what the bank you have your checking account with has for rewards credit cards and go from there - that would make it super easy on you since you can monitor your checking account and credit card in the same online banking and payments are as easy as moving the money over every time you buy something or every couple weeks, as long as it's payed off before your due date each month.
If you don't mind not having your credit card in your online banking you could check out Discover. There's a small number of places that won't accept Discover but I've only heard good things about their rates and rewards programs.
Expect higher credit rates on rewards cards, generally speaking. For these purposes the rate doesn't even matter, though, because most of its use won't even accrue interest - you're mostly going to be paying it back before your due date and not paying a cent more. My main credit card I do this with at the moment is a Wells Fargo rewards card and the interest rate is atrocious but I haven't payed ANYTHING in interest over the years and the rewards are pretty decent. If you're serious about having something for emergencies you should have something separate with a lower interest rate, like a barebones credit card with as low a rate as you can get with a high credit limit that you can put away in your safe or something for when you need it. A line of credit would actually be better for that - it's basically a credit card with no actual card to swipe with a SUPER low limit that's usually used to consolidate debts at lower costs - but those have annual fees, usually about $25 a year.
