<prompt> Human: Pretty good situation here all things considered. Have kept only one credit card through USAA since undergrad and have 0 balance. No car payments, no student loans, no debt other than a brand-spanking new mortgage. Dual-income household, no debt on the wifes side other than a car payment. Years ahead on retirement savings, adequate emergency fund, and started saving for the kids education through a 529 plan the moment he was born. I am thinking I would like another credit card account that gives me a little more in perks. Would keep the same idea, pay what I can on the card during the month and pay the entire balance every period. Thoughts?  <response>: It depends on your spending habits.Citi Double Cash is a flat 2 on everything.To get more than that, youre going to want a card that targets your highest spending categories. 