<prompt> Human: My girlfriend has 2 credit cards. Both of us are in our mid 20s with stable jobs. One credit card, which she hasnt used for a long time has been recently closed. Now she wants to get a new one but she wants to make sure its the best for her.She is a very financially responsible person, with a creditscore of 780 on credit karma I know its different from a FICO but at least its a good ballpark. Like myself, I dont know which one is best, but probably one with damn good rewards that she will be able to pay off every single month.She is looking into a card that gives miles as she travels throughout the year. How does that work? Some of the credit cards she looked into give 20,000 miles upon sign up. Can you use those right off the bat? What about if she is say, 1000 miles short of a plane ticket? Can she use those miles and cover the difference?The main thing we are looking for is a card that has really good benefits as long as you meet some condition like spending 300 dollars a month or something like that. She doesnt want any annual fee although if there is a benefit to having a card with an annual fee, I would like to learn more. I feel that her credit is good enough that she can get whatever card she wants perhaps with the exception of some cards with unlimited credit, hahWhat about one for groceries? Is that one better? She estimates she puts roughly 11,000 a year on her only other credit card.At this point, she is also thinking about getting 2, one for cash back for groceries and one for miles.I tried looking through PF via search and sidebars but did wasnt able to find out much. Thank you. I will be monitoring this thread throughout the day.  <response>: rchurning has a huge amount of information on credit card rewards in their sidebar, even if you dont want to get into churning itself signing up for cards just for the signup bonus, then canceling them, followed by signing up again for another signup bonus. 