So I have a cash back rewards credit card (like 27% or something crazy) and a credit union credit card (8%). Idk how common this is, but at my credit union you can “transfer money” from the credit card to you checking account, which is just a cash advance, and it’s the same interest as a purchase on that card. So if I ever need to use a credit card, I use the rewards card to purchase, then I immediately pay off that amount with a cash advance from the credit union card. That way I get the cash back rewards as well as the low 8% interest, plus the credit score boost from multiple accounts

Get one from a credit union, they’re like banking coops

If you really don’t want one, see if your bank offers a secured credit card (which is a credit card that can help build up your credit score but is basically a debit card because you have to put money in the account before using the card).

But if you want to get a regular one, use a website like credit karma and see which ones you’ll qualify for and look for one with the highest cash back %, no annual fee, and first year with 0% interest, and use it for everything and just keep it 100% paid off by paying it off often, like once a week. You’ll get some money back on all your purchases which is nice.

Set a reminder to pay it off every month before it is due. Credit cards can be a useful tool if you pay it off every month and don’t pay interest. I use my card for literally everything and get 2% cash back on everything.

That’s pretty good considering that’s higher than the 0.5% interest on my bank account and I spend more than I save.

If you find yourself carrying a balance across months just cancel it and go back to cash/debit.

If you have a checking account at a bank they can probably set you up with a credit card pretty easily.