I truly wish I was one of those people who lived life with no regrets, but truth be told I have a lot. I worry too much and overthink things and always wish I was more spontaneous. Credit cards are no exception, over the last year that I’ve been researching credit cards and earning points, I’ve grown confident in my understanding of credit cards and their various perks, including the annual fees that come along. Most of my regrets come from just dipping my toes in the water instead of diving in full force. I think all the time about how many points I could have had if I had been accumulating points since my first credit card in 2014, or jumping right in and applying for the Chase Sapphire when it was 100,000 bonus points (still kicking myself over that one). In the end, I’m a person who learns from their mistakes. So I needed to go through them in order to learn on my own. But, if you’re one of those people who can learn from other’s mistakes, here is list of credit cards I wish I had gotten sooner and why: