<prompt> Human: Im 22 years old. My Credit Karma score is 711. I currently have 2 credit cards; 1 from Regions that is slightly over 1 year old and 1 from Kay Jewelers that is roughly 3 years old. I currently have 1 hard pull on my account from my Regions credit card. I assume that applying would give me a second pull. From what I understand, they stay on you for 2 years and the ranges are typically 0, 1-2, and so on. So I would still be in a B category.Future plans. I live with my mother at the moment and graduate UCF in December. I have something currently in the works lined up. I hope to start looking to get into my own house by this coming January. Should I let a second pull worry me?I am considering the card because of the cash back offered by it and 0 annual fee, so I could hold onto it for a long time and let it lengthen the average age of my accounts. This would also add another account onto my total; so I would be up to 5 two credit cards, car loan, and a card I closed when I was 18 because I didnt now what I was doing.Advice?  <response>: The Discover card is pretty good not the only good card out there, of course. You also get a free monthly FICO score too. In any case, the 5 rotating cashback is nice if it has a category you want. For instance, for the 2014 year, Discover Jan-March and Chase Freedom April - June collectively give me 5 cashback on restaurants, which makes up the bulk of my credit card expenses. 