When looking at a subjective topic like credit cards, it can be easy to get overwhelmed by the options and the opinions. As I have evaluated credit cards looking for one that had the best cash back and points program, I found one that seemed to fit best. I strategically utilize this card for purchases that there may be some level of purchase risk associated to. Typically this comes down to purchasing electronics or booking travel. It’s important to own your credit card, rather than your credit card owning you so choosing the card that fits your lifestyle is key.