<prompt> Human: I am about to get my first credit card. I have been using my debit card for years but now that I have seen all the benefits of points ect I am ready to get a credit card. What is the best credit card with the best benefits. I have heard that the best card is the Chase Sapphire Reserve. Thoughts?  <response>: Youre unlikely to be approved for the Chase Sapphire Reserve as your first card. Youll probably want a cashback card with no annual fee. 