<prompt> Human: As the title says, Im applying for my first credit card through my bank Huntington. I know NOTHING about finances, banking, bills, credit, APR, etc.The two options they give me is to choose 3x the rewards by earning points per dollar or have a 3 lower purchase APR.Which would be a smarter move and why?If it matters, I work part time, making roughly 9.50 an hour while still in school for the next semester.Edit: I have full intention of paying off my bills in full every month. My main goal is to use this card for establishing a base credit score. I dont intend to buy much with it. Only what I can afford to pay off with ease.Edit 2: Would it be wise to link my credit card and my checking account for overdraft protection as well?  <response>: So, if youre using a credit card responsibly and paying off the full statement balance completely every month, you dont actually care about the APR. So take the increased rewards.If you arent going to pay off the full statement balance in full every month by the due date, then dont get a card at all. 