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It can be a little unsettling, even scary, to apply for a new credit card when you don't know what your credit score is. But a store credit card like the NFM credit card usually has a pretty accepting policy, so chances are you'll be able to get one if you have any credit history at all. The good news is, it's very easy to find out what your credit score is. Many banks are now giving their customers free access to their FICO scores, and the website will also give you one free copy of your report from each of the three major credit bureaus every year. So go ahead and find out your score; then apply for a card without fear. A store credit card is one option, but if your credit is average or better, try looking for a great cash back card.