<prompt> Human: Im looking for some opinions on what I should do here.I am 18 years old and have a credit building plan, however cannot decide what credit card to choose from.Here are my options and my plan.x200B;The plan: Is to have a max limit of 150-175 and use it for small purchases and gas.x200B;Here are the card options!Low Rate VISA: 5 APR thats allCash Back VISA: 2 cash back No accrual limit and 8 APRx200B;All will be on a limit and monthly auto pay  <response>: IF you are smart and pay it off every month, get the one with cash back. Also, dont pay annual fees if you can avoid it. That trumps cash back.x200B;I cant stress this to 18 year olds enough: Use the credit card as an extension of your checking account--only use what you could definitely pay off from your real money. Consider yourself lucky you dont need to get a secured card Like I did!. Happy credit building! 