You are looking for your first credit card. You plan to use this credit card only for emergencies and to pay the credit card balance in full each month. Which credit card feature is most important?

Because you plan to pay the full balance each month, you generally will not owe interest, so a low APR is less important. A card with no annual fee avoids a recurring cost, even in months when you use it only for emergencies. Therefore, “No annual fee” is the most important feature.

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