<prompt> Human: Is it a good idea to get a credit card with Bank of America? I already use them for a checking account, and I plan on opening a savings account with them this summer. Im 22 and graduating in the fall, so I figured now would be a good time to get a card. I already know I want to use a general cash back rewards system since I pay for my own groceries and gas and want to minimize those costs. It just looks easy for me to see my account balances and make my credit card payments on one website, and I feel safer with them since they have been handling my cash flow for a few years now. A student card doesnt make sense to me, and I dont know what I should be really looking for other than a low APR. Or is it really unlikely that I can get a credit card without having a real job or a cosigner my parents are not involved in my financial life. Any advice is welcome, thank you.  <response>: I dont know what I should be really looking for other than a low APR.If you are using a CC correctly APR doesnt matter. You should never pay interest because you should never carry a balance. If you are worrying about APR you arent ready to get a CC. Or is it really unlikely that I can get a credit card without having a real job or a cosignerIf you have no credit history you might need to get a secured card first. You give them a deposit and that becomes your limit. 