<prompt> Human: Technically speaking, this wont be my first credit card; Ive had credit cards since high school and have a credit score of 765. That being said, they were paid by my parents and Im now trying to become more financially independent. To do this, I want to start paying my own way.I make 28k and trying to budget myself to spending no more than 1.5k per month, excluding rentutilities. Currently, Im spending around 2.2k per month with 700 being from groceries, 300 fast-foodrestaurants, and 125 on gas. A lot of my spending is unnecessary, wasteful, and impulse purchases. Thus, by paying my own bills and using my own money, hopefully I can become more awareresponsible with my spending.Now to be clear, there is no risk of me delayingnot-paying my credit-card debts. Even with costs of 2.2k per month, my parents will gladly pay it. And even if I didnt have them, I have a trust worth around 12 mil. But Im doing this because I dont like the fact that they pay for so much. Im looking for a credit-card that gives me the most back.  <response>: Im going to be blunt because Im almost positive a lot of other redditors are nowhere near the level of financial freedom you are in, regardless of your 28kyear income parents paying for your expenses, trust worth 500k. My personal opinion is that you refrain from getting a credit card until you start living within your means; that is, within your 28kyear salary. If you truly want to rid yourself of your parents generosity and be totally independent, you will have to learn to control your living expenses i.e: quit eating out so much, buy the necessities at the grocery store and not luxuries, etc.. You stated that you are spending 700 more than you are trying to budget for, and that in itself presents a problem. Spending that much over your means on a monthly basis will eventually lead you to financial ruin if you are being honest with yourself. Credit cards will only extrapolate your debt regardless of your credit score. Lets say you manage to break even regarding your budget budget for 1500mo., spend 1500mo. yet you put the extra 700 on a credit card with no help from mom and dad. And lets say that the credit card company gives you a great rate of 12 APR versus 20-28 APR because of your credit score. That equals a monthly payment of 84month. Lets say the credit card company doesnt start trying to collect until youre three months late which isnt unheard of and your 700mo. spending coupled with your 12 APR is compounded. You are now paying 252month minimum on your credit card, which is 16.8 of your initial monthly budget of 1500. If you cant pay this amount, which I doubt you could without parental assistance, your payment will only increase with time and you will have to dip into your trust to pay off your increasing debt if youre able to withdraw from your trust.All told, the wise thing to do would be to start living within your means and forego the credit card until you have your finances in order. Just my two cents. 