I prefer to use someone elses credit card, the perks suck for me but I am sure the owner of the card gets the frequent flyer miles and the rewards (always trying to help).
The very best credit cards are those that have no annual fee and with a 30-day grace period on finance charges. Pay off the card every month and it's free. Other things like FF miles and discounts are just frills. The object is to pay nothing for use of the card. As long as you do that, then any card (with or without frills) will work.
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