<prompt> Human: So to start this off, Im 20. I have my name on my apartment lease at college and on a credit card that my parents finance I use that for gas and necessities since I cant work during the time Im at school, Ive had it for 2-ish years, as well as the usual student loans and my own checking account. I just leased an apartment in another city to use when Im working at my Co-Op job that apartment includes independent bills to pay each month, unlike my place at school which is all inclusive, and while doing so I found out my credit score is 749. I decided a while back that during college I wanted to start establishing a more extensive credit history right now its obviously pretty shallow due to my age and its especially a goal now that Ive started Co-Op my job is something I think could realistically turn into a full time career, plus major cities for my field are generally pretty pricey in a city with a very expensive and high-demand housing market. Id just use this card for gas or small stuff just to have a balance to pay every month. Would getting a credit card available to people with good credit benefit my score more, or should I go for a card aimed at people who are just starting out? Are there other benefits Id gain access to with a nicer card? Should I not bother getting a card at all? I really dont know a whole lot about this, just want to get the most benefit I can out of this card.  <response>: Starter cards come with higher fees and interest rates. Take advantage of your score to get the best deal possible. 