<prompt> Human: Hey all, Ill be starting my second semester of my sophomore year at college, and figured it was about time to start building up my credit! Im planning on using it to only pay for things like gas and groceries, stuff I would normally have to pay for anyways. What are some good first credit cards out there that dont have high rates associated with them? My current bank is Bank of America, and Im 19. I am also currently employed.  <response>: It doesnt matter the rate, as you will be paying it off in full each month. Interest is only charged when you carry a balance. Apply for ones that interest you. I recommend a secured card or a college card like the Discover Student Card or the Citi ThankYou Student card. 