sweca

For the last few years I've been working as an hourly part time full stack software engineer remotely, but now that school is done, I'm switching to a full time role. What are some things to keep in mind?

When I was hourly, I knew when to start and stop working because I'd simply clock in and out, but with a salary, it feels less clearly defined. There's also "unlimited" PTO, but when is it acceptable to use it?

I saw this card (https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html) offered by Scotiabank that offers 10% cash back on purchases within the first 3 mo up to $2k, and 4% regularly on groceries and recurring payments. From first glance, it looks really good, but at the same time, there's a $120 annual fee. Although, the first year has no fee.

I wonder if I could use it for the first year and then close or downgrade it afterward. Would my credit score take a substantial hit?

What's your general opinion on cards with annual fees? What benefits would it need for you to consider one?