Was honestlty unexpected but it seems banks still see some blood to squeeze from this freshly tumbled stone
I understand that regardless, I should keep it open and periodically use it
How long should I wait while just doing normal stuff with the current and always paying it off every month?
CC rewards are bullshit. Look for one with a low fixed APR. Best bet is a local credit union.
Rewards are fine, if you pay it off every month like OP is suggesting. The APR doesn’t matter in that use case.
Otherwise, if APR does matter and you need to carry a balance, no-fee and low interest is your best option and then, you’re correct, the rewards don’t matter.
Im never using them in a way that would matter (%APR) so i wouldnt be using APR as a criteria
On a long-enough timeframe it would yield something at least nominally significant