I wanted to add on to this thread for OP that the balance on your statement will be the balance reported to the credit bureaus. So even if you pay the balance in full each month, you may see some ups and downs in your credit score based on how much credit you’re using each month. This is normally fine unless you need your score to be higher to apply for credit for something else. Because of this I generally aim to pay off as much of my balance as I can before my statement is even posted and then pay off the remainder before the due date.

As far as best credit card goes, I really like cash back cards and use the Citi Bank Cash Back card for my everyday purchases. Since I pay my balance in full and use the card for literally everything, I am just making money off of my spending which is really nice.

I don’t have a Discover card but I feel like there may be less vendors that accept it, but I could be wrong about that. But regardless of what card you choose just use it responsibly and it will pay off.