So I'm looking into getting my first credit card, and I want to save as much money with it as possible. Do interest rates matter a lot? I don't really plan on having overdue balance.. Also, are rebates good? Mine offers 6% rebates on groceries but I have to spend a considerable amount on other things for this to take effect. Is it worth it? Finally, what do you think of closing the account when the waived annual fee is over?