Help with first Credit Card

If you have never had a credit card before the terms will not be all that great since you don't have a history, I wouldn't count on a low interest rate at all.

If you didn't already know, so long as you pay the entire balance by the due date the interest rate won't matter b/c you don't pay interest until after that. So be sure you always pay the full balance due by the due date. Except for cash advances, that is - for that interest starts accruing immediately, which is why cash advances on cards are generally a bad idea.

I don't know what reward cards are out there for people with little to no credit history, perhaps someone out there can provide more detail. Good luck.

Capital One. Best starter card for college kids with no credit history. You'll start with a $500 limit.

nerdwallet will have everything you need to know

Go to myfico.com and sign up on their forums...TONS of info about credit cards and building credit. Capital One is your best bet for a first card with rewards, unless you have to settle for a secured card. If you go that route then check out Bank Of America, they have a secured Visa that you can convert to the 123 rewards card as soon as you receive it. Do yourself a favor and dont go app happy, all those inquiries will knock your score down and looks bad to creditors. Discover It is a good card, unless you have a couple of years of credit history without any baddies you would probably get approved, probably not the best odds if its your first card

Just got my new card in today, got approved for the Discover It card. I'm excited