<prompt> Human: Im a 22 year old male, my credit score is about 720 give or take. I have a credit card I share with my mom, and I also have a loan from Wells Fargo Im about to pay off. I have two debit cards, with Suntrust and Delta Credit Union, and a Sams card.I use credit karma, and they recommend I get more accounts to help with my credit in the long term. Im thinking two credit cards, but Im not sure. I know I should get at least one. I also dont know which are the best ones to get, credit karma shows a lot of good offers Im qualified for but I dont know if I should get gas points or rewards points or air miles, etc etc.How many cards should I get? Whats the best kind of card for me to get? I dont make too much so a low payment card would be nice, with pretty low apr. Im not buying big things so I dont need a super high limit.Assistant: I dont make too much so a low payment card would be nice, with pretty low apr.The payment depends on how much you spend each month. APR doesnt matter because you should never pay interest on a card. If you do, youre using it wrong.Human: How do I calculate how much my payment would be depending on what I spend?  <response>: If you spend 100 you pay 100. The only time interest comes into play is if you dont pay the statement balance. Dont do that. Just pay for what you buy each month and youll be golden. 