<prompt> Human: I like to use credit cards purely for their rewards and perks, and this one is different than anything I have. The interest rate is high 17.24-24.24 and there is an annual fee of 45. However there is no min interest charge. The rewards are mostly geared towards coffee drinkers, specifically Starbucks drinkers. Seeing as though i never carry a balance on a CC, is this in your opinions a decent card? Link:  <response>: 49, not 45. You shouldnt care about the interest rate because if you do youre not using credit correctly. The 2500 stars would outweigh the AF for the first year, and depending on how much you go thereshop, the star to point ratio may in years after. 