<prompt> Human: So Ive been lurking here for a bit, and have been doing some research on my first CC in order to build credit during my final year here in college. Id be using it for planned expenses only, like my rent, utilities, and food. The rewards arent super important to me obviously better rewards is great, but Im not going to be using this card a ton. Im looking at The Barclay Rewards Mastercard the Chase Freedom card, and Journey Student Rewards Credit Card Does PF have any opinions on the 3, or are they about equal?  <response>: Keep in mind almost all rent and utilities will charge you credit card fees. Your rewards have to be more than the fee to make it worthwhile. 