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Well, honestly I would recommend none. I'm sure that's been said before, but it's true. One of the best ways to accrue REAL wealth is to never be in debt. If you don't already have the money, there's no reason to be spending it. If you'll have the money to pay off the bill a month from now... wait for a month and THEN buy the item.
Honestly, I DO have a credit card... it's my last one. As soon as it's paid off, it's gone. I have a debit/check card so that I can transact money quickly. That's more than enough.
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