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34,000 in debt plus interest acquired from Adam Tracy turned into free trading stock. Cards on this and other NerdWallet pages have a "recommended credit score" graph that shows what kind of credit you'll need to qualify. Youвll earn a sign-up bonus statement credit after reaching minimum spending levels, usually in the first 3 months. Does a simple cash-back program make you happier than having to finagle reward points to pay for travel.