Credit Card Options

[cmac]

I need a credit card.
I know very little about what I want.
It's important that it will collect airline miles and I'd like for it to have some sort of reward points too.
I obviously would like a low interest rate.
I don't mind a small annual fee.
I bank at Wells Fargo if it helps.
Any suggestions?

[impala454]

right but the only reason mine isn't 50 pts higher is because my % of debt to available is bad. and you don't improve it by getting more available debt, you improve it by reducing your debt and leaving the available alone. i'm going to be buying a house here in houston at some point, and before i do i'm paying down my CCs and reducing my available credit to around 10k or so max.

and i'll say it again, it's very situational as to how your available credit affects the end rate you get. if you're about to buy a big ticket item (house/car/whatever) and you have 20k of available credit and no previous loans, you simply will not get a good rate. the lender has no way of knowing whether you will run up that 20k right after they give you your $30k for a car, and get yourself into trouble.

if our scores are almost the same, and i have 38% available vs your 95%, that should tell you somethin right there