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The reality is, anticipating that first smooch can be one of the most exciting and nerve-wracking moments in your dating life.

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You’ll also earn a whopping 6% cash back at supermarkets (on up to K in purchases annually), unlimited 3% back at gas stations and department stores and 1% back on everything else.

And if you apply by 5/3/17 you’ll get 10% back at U. restaurants during your first 6 months of card ownership (up to 0 max cash back).

It’s 2017 now and my 800 credit score has remained steady.

), 21-month 0% intro APRs and other generous ongoing rewards to potential customers.

Getting the right card can not only help save you money in interest fees, but it can also earn you extensive rewards that equal cash in your wallet.

You’ll be screwing yourself over by opening cards up and not knowing what they do to your credit score, and I don’t want any part in that. Here is what you should be using: Credit Karma- A completely free website that will give you an approximation of your Trans Union score (called a FAKO score).

The downside is that it that the score is only an approximation (although usually a pretty good one) while the upside is that you’ll never have to pay a membership fee, so there is no need to worry about canceling.