<prompt> Human: To date Ive been using a free student visa card with really nice terms but now that time limit is expiring and I need to choose a new one. I was a bit overwhelmed at how many options there were. They have Rewards cards, cash back cards, travel cards, low interest rate, no annual fee, and prepaid. My bank has me automatically set up with a rewards card right now but Im trying to figure out if other options are more appropriate for me. I generally do not have a need for a credit card aside from online purchases or big ticket items. I try and avoid using it when I can because I frequently late pay, not due to lack of funds but lack of discipline. My needs for having one are basically just flexibility and having credit history for when I need a mortgage or car loan way in the future.Since I wouldnt be using the card for a lot of purchases, rewardspoints dont interest me. My concerns are mostly fees and credit scorehistory. My first instinct was for the No Annual Fee cards but I dont understand the catch that comes with them can someone explain?. Im wary of getting something that you dont have to pay for. The other option is the Low Interest Rate cards which charge an annual fee but cut the interest rate in half. It seems like these cards have a much lower limit though, does that affect your credit score?Sorry if Im being kind of vague on specifics. Its just my first time choosing a card and Im looking for a general approach to picking one rather than a specific card.Thanks for your help  <response>: There is no good credit card for an undisciplined payer. 