<prompt> Human: I have fair credit. 664 and 686 on Credit Karma I know thats not the real FICO scores most creditors check, but that should give you a ballpark. I currently have an Amazon Store Card, but I want an actual credit card for day-to-day purchases to rack up rewards, and in case of an emergency. This card will be paid off in full every month.Im eligible through my bank for a rewards card that would net me one point per dollar spent which comes out to 1 cash back. Are there any other cards for my level of credit that might be better? I was looking at the Capital One QuicksilverOne, which offers 1.5 cash back, but with a 39 annual fee. I will be using this card for rent payments and possible car payments, so itll see a lot of use probably in the neighborhood of 10-15,000 per year. The math narrowly adds up to make the Capital One card a better option, but Im not sure if there are benefits to opening a card with my bank that I may just not be aware of.  <response>: It may not hurt to apply for the Capital One Quicksilver with no annual fee. If you dont qualify, they may let you app for the QuicksilverOne without another inquiry.Also, dont assume you can pay your rent and car payments with credit cards. There may be fees involved. 