<prompt> Human: Hey guys, Im currently trying to figure out which credit card to apply for and hoping I could get some recommendations or hear about your experiences with various cards. Currently, I think Ive got my list narrowed down to 3 choices: Citi Simplicity, Chase Freedom, and Barclaycard Arrival.None of them have an annual fee, and due to the slightly lower APR Im currently leaning towards Barclaycard. Any advice or experiences you could share with me?Edit: APR is irrelevent if Im using it correctly -- got it. I have no intention of using it super frequently. Im looking to make an immediate purchase for some plane tickets total around 2k, and afterwards simply paying it downoff and using it more in emergency cases. Id like to see more experiences or recommendations if you guys have them. Thanks for so many replies already!I suppose I should also mention I already have very good credit, in part thanks to marrying into it. Im just finally looking to get a credit card in my name.  <response>: and due to the slightly lower APR Im currently leaning towards Barclaycard.If you use your card correctly and pay it in full every month, the APR on the card is completely irrelevant. Get the card that offers the best pointscashback for the type of spending you typically do. 