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Think on how you are going to use the card. Will it be for emergency only or you are going to charge on it all your everyday purchases? Or maybe you are planning to make a big purchase and want to use a credit card for it. Consider fees and APRs, it is good when the card has no annual fee and low APRs. If you are going to carry a balance, think of a credit card with a 0% promotional period. For example, look at the Discover it® Cash Back. There is no annual fee. The APR is waived for the first 15 months (after introductory period is over, 17.24% - 28.24% Variable APR will apply). Plus there is a cash back rewards program; you will be able to earn cash back on all your purchases.

You can see other credit cards you can apply for if you use our credit card navigator: enter your credit score, indicate your goals and preferences, and see the result.