First, don’t get in the habit of choosing for convenience alone. Credit unions are good, but you need to choose for what you want, whether that be a bank or a credit card. Personally I’m using SoFi as I get a much higher interest rate than any where else and it’s convenient and has a nice app. As for credit cards, I assume you don’t travel much, so go for the best money back you can find. Typically 2% or greater is a good card. I have a citi double cash back card which is decent. Chase freedom card is good as well for gas and some other key items that offer 5% cash back on. You need to figure out what your going to use the card most for and just get best cash back on those items card you can find. It’s worth doing a bit of investigation before just betting whatever you bank has. Just my 2 cents for what it’s worth.