<prompt> Human: We plan to pay it off every month. Husband thinks we should get an American Express, Id like to earn rewards. The fraud charges are never fraud, they are always purchases we make. Its a hassle because it takes an hour to get it fixed up with our credit union. Husband also hates doing business with big banks, so a Chase card is a tough sell. edited to add more info  <response>: Depends on where you spend your money, but I would highly recommend the Sallie Mae from Barclaycard. You do not need a Sallie Mae loan; it is just a confusing co-brand that gives you the option to pay your loan with rewards. It can simply go towards your balance. 5 on gas, groceries, and bookstores. Amazon counts as a bookstore, so its basically 5 on gas, groceries, bookstores, and Amazon. 