I'm planning to finally apply for my first credit card. I barely travel except for maybe sometimes visiting my friends within the US or family in Japan (twice a year). Reading the forums I was thinking of applying for the Hilton Honors Amex card and Starwood Guest credit card for hubby (since he travels more for work) but I have a question...do I still get to earn points/mileage even though I pay off what I owe within the grace period? Also, which is the best credit card to get for everyday purchases (shopping, supermart, gas etc.) Thanks!