<prompt> Human: I was always paranoid about taking on debt and so Ive never had a credit card in the past and therefore have no credit history. I recently tried applying for some typical rewards credit cards and was denied, so then I tried applying for the Lanpass Secured card from US Bank, and I was still denied. I have no bankruptcies or foreclosures, no delinquent accounts, zero debt, and a steady employment history. So what is a card that I can actually get and start building my credit history? I dont care about high interest rates as I plan on paying in full each month, but Id prefer to avoid an annual fee if thats possible.  <response>: I wish you asked before applying for those cards, we could have saved you the hard inquiries.Your BEST option is to get a secured card from a credit union or bank. Your second best option is being added as an authorized user on a parent or spouses credit card. Explain to them that they can keep the card, you wont be using it, you just need it to report on your credit report.Option three: apply for a Walmart or target store card. These cards have no annual fee.If none of this can pan out for you, the only thing I can think of is to sign up for a subprime card with an annual fee until you have some history built up. 