I’m terrified of debt and uber conscious of my credit score, don’t travel a lot and don’t spend much unless I have cash. Ours would mainly be used for concert tickets or weekend getaways, things like that.

If you were going to recommend a credit card based on that information or if your lifestyle is similar, what card would you recommend?

I’m struggling to find one that doesn’t terrify me with the APR%.
Thank you in advance.