Hey there,

I have no CC currently. I origonally has the basic low rate td visa. I racked up 20k as a young adult and got a line of credit and closed it. I found its hard to not have a credit card but nice to not incur debt.

Going forward I have learned my lesson and will only buy when I have the funds and use the card for streaming, cell, gas, groceries, maybe diningnifnit makes sense. I feel like I will use it kore like a debit and use it as a replacement and pay it off right away keeping it in check with my budget.

But there are so many cards to choose from. Ideally I would like to use it for the one family vaca a year I'd like to do. I do travel sometimes for work but they pay for everything. Well give me per diems on my paycheck for each day I'm traveling. Any suggestions on which cards to look Into. So far I have looked at the amex cobalt, Scotia Bank infinite, Canadian tire card, and the TD infinite visa travel card.

If I go with amex I'd likely have to wait a bit to apply for a decent free MC or Visa to supplement for the places I can't use that card maybe a free cash back or something? Idk lots to think about and some insight would be nice. If it helps as of my last paycheck I'm at 71k a year for work.