I’m looking to apply for my first credit card and I’m confused about all the different options to consider. It’s also hard to find cards that have say a certain APR and also the rewards program that you are looking for. I don’t really planning on using this card to rack up debts. I’m gong to pay it off completely every month. But this will also be for emergencies so you never know what will happen. I want a good card just in case. A friend of mine told me about the mosaik mastercard as a good option. He said that is is cool because you can totally customize interest rates and rewards programs and other things. Has anyone had good experiences with this card?