<prompt> Human: Hey everyone,I just finally paid off my credit card debt and wanted to switch to a different bank and credit card. I know there are lots of credit cards out there that give you perks for using them. So, whats your favorite credit card? What cards have the best perks?  <response>: Nerdwallet is a great starting point. Make sure to pay off the full statement balance every month, dont fall back into bad habits! 