The one with no balance.
I know some bloggers make a lot of money with credit card referrals, but enough already. I just don’t care which credit card is best. As long as I don’t carry a balance, don’t pay a yearly fee, don’t pay for any idiotic insurance, and get a little cash back, the rest is small stuff.
Find a way to cut back on some spending that isn’t improving your life much and you’ll come out much further ahead than picking some whiz-bang credit card.
The only exception I can think of is if you can use a personal credit card for work costs such as travel, get reimbursed and get to keep credit card rewards. Outside of that, all the excited talk about choosing credit cards is just a big yawn.