The is the card you need: without an annual fee and with cash back rewards. You will earn 2x cash back rewards per dollar spent on gas grocery and utility purchases. All other purchases will earn 1x cash back rewards. Cach back rewards are easy to redeem, you can use them like cash. Also, you will have a free access to your FICO scores which will help you improve your credit further.
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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.