<prompt> Human: A little backstory--my husband and I went Dave Ramsey about 10 years ago. Got rid of car payments, credit cards etc. We knew it would be a process to get a loan underwritten manually for us when we wanted to buy a place, but we had no idea it would be this slow. We are also trying to take advantage of some programs that our city has in place to get a grant for a down payment might as well take advantage of free money. Our realtor thinks that if we can eliminate one of these slow-going processes, we can get the ball rolling and find a place. We wouldnt be in that big of a hurry, but we are renting in a building that has a new owner, and he keeps jacking up the rent, plus we are anticipating an increase in income that would put us over the limit for the grant program. Our realtor suggests getting a credit card for my husband, and establishing credit for him over the next few months. In theory, it seems like we can do that and as soon as we get the mortgage funded, we can go back to a credit card free life. If we get a card, what card that has cash back or reward optionsno annual fee should we consider?  <response>: The other poster had some good sound advice. All that said, I dont think getting a card for 3-4 mo is going to do a lick of help on getting a mortgage. Just having the line of credit is one thing, but having a history of credit is the main thing.Id suggest you talk to a bank, credit union andor mortgage broker, have them run your backgrounds, and ask them what youd need to do to get qualified for a loan. 