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If you are not a stay-at-home mom anymore and have your own income, you can apply for a credit card. If you are not employed, however, you won’t be approved. If you have your own income and fair credit as you indicated in your response, you can consider credit cards for fair credit history.  Think of features you want for your credit card. You may choose a card without any rewards programs and concentrate on credit improvement. Or you may apply for a card with rewards program and earn bonus points or cash backs for every dollar you spend.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products 'Terms & Conditions on the issuing banks' websites.