This depends on you personally. I have opened cards from Guangfa, Bank of China and China Construction Bank. There are quite a lot of discounts for these three cards. You'd better go to the bank counter to inquire for details. Now China Construction Bank and China Guangfa already have many types of credit cards. There are a lot of cards for car owners. The most important thing is to find the one that suits you. Some cards can be used 3-5 times a year to waive the annual fee, and the points seem to be one dollar per point. For details, please go to the bank counter to inquire.