<prompt> Human: Im19F looking for a good credit card for a first time credit card user. Ive been searching for days to find one with low APR and no annual fee but every card I come across has either one or the other. I am enrolled in college and have no credit score at all, so I have been looking into student credit cards, but none of them really seem to fit my normal day to day life. Maybe Im looking to much into this and trying to find the perfect cc. Anyway, is anyone has any advice for a first time credit card user, or just suggestions of good cards, that would be great!  <response>: Ignore APRit shouldnt come into your equation at all. You should be paying the balance off in full by the due date. If you arent planning to do that, dont get a card. In terms of annual fees, you probably arent going to qualify for a card with an annual fee with no credit history. Your best bet is probably going to be looking for secure credit cards. With a secure card, you put down a deposit which usually becomes your credit limit. Then, after a certain period of time of responsible credit use usually one year your deposit is returned, and your secure card usually becomes a normal credit card. Most every big bank and lots of smaller credit unions have secure cards. If youre a student, you may also want to look at the Discover IT student card. This is a normal credit card with cash back rewards that is meant for as the name implies students. 