<prompt> Human: Im almost 25 and I havent opened a credit card yet. What is the best starter credit card to open? I make around 24000 a year and plan on just using it on groceries etc stuff that I can easily pay off no big purchases. Thanks for the information.  <response>: Assuming you have a strong enough credit score to take your pick of cards you can check your FICO score for free through Discover and you plan to pay off your full balance each month the responsible way to use a credit card, Id say find a no annual fee card with a simple cash back rewards program. CapitalOne Quicksilver and Chase Freedom Unlimited both seem to fit the bill.Here are some resources: 