Any self employed that applied for a secured CC in the first 2 yrs of your venture? Which CC are you using? Given the interest rates climate; Is it worth it to put up a 10k collateral for e benefits?

$10k will net you ~400 per year on moderate returns. Or 100+ for FD/high interest savings account. From there you can do your own math.

As long as the rebates/miles give you more value, then you should definitely go for the credit card. (most of the time it should)