Words of warning on cards with rewards and no annual fee:
You said you are self-controlled, which is good. You also mentioned the fine print (which I browsed), which is also good. But realize that the banks must make their money somehow, and this is how they can do it.
- They can have variable APRs which can get pretty high.
- They sometimes shorten the period between the billing date and the payment due date, therefore encouraging late payments.
- Late payments are ruinously expensive. Starting at around $100, the fee can be $30 or more.
- Finance fees range between $0.50 to $1.00.
They money comes from somewhere. There is no such thing as free money. Be diligent.
Unfortunately, my favourite card is one that has a $25 annual fee and no rewards. The interest rate is a maximum of around 12% though (compared to 18.5% on my last card). I carry a balance because I'm still recovering from being a student. I'm sure none of this would interest you.