<prompt> Human: Hi all,Was hoping to get some ideas on a credit card. Id like to build my credit further. Im planning on putting every expense on it and paying the balance monthly. Should I be concerned with the interest rate? I am great at saving and budgeting. I will not let a balance roll over. My goal is building credit and earning rewardspointsmileswhatever you want to call them. Was hoping for some insight and personal experience. Thanks!  <response>: The interest rate only matters if you carry a balance. Pay your statement balance by the due date every month and the interest rate on any card is 0. rchurning keeps a nice list of current sign-up bonuses and rewards programs to help you pick a card that matches with your goalsspending. 