If you can not tell yourself no, do not get a credit card. The reason for this is if you have no impulse control, then you would just max out your card in a matter of days, and have little or nothing to show for it. As for payback, estimate a minimum of 3% to pay back (minimum $25). This means if you racked up a $1,000 bill – then expect to pay $30/month until that 3% rate drops below $25, then pay $25 per month. It is easy to let a credit card get out of control. This is definitely something to not take lightly. If you choose that a credit card is in your best interest – do not go for Credit One (as opposed to Capital One). This card is designed to attract people with poor credit, and then make their life miserable with fees on top of fees. You are better off to get a secured card.
What I Do
I have more than 1 credit card. One card is used for my day to day purchases, and the other is used for Amazon. I keep both cards active as inactive cards can face closures. My Amazon card stays home, and never used outside of Amazon. My carry card is the card that almost all of my bills process through. In addition, any day to day purchases are on this card – therefore making it my carry card. I make sure my carry card is within reasonable usage, and I can pay off the card in full every month to reduce the chances of any interest charges.