<prompt> Human: I am a 23-year old graduate student. I have no debt from my undergraduate career and now I am only taking out the lowest-interest of federal student loans for graduate school. I received a Bank of America BoA letter offering me a BankAmericard Cash Rewards Visa credit card. The facts: No annual fee 1 cashback on every purchase 2 cashback on groceries 3 cashback on gas 0 APR for the first 15 billing cycles. After that a Variable APR of 12.99 will applyI have never had a credit card and would like to start building my credit. I have no experience with credit cards and was wondering what advice you have for me in regards to this BoA offer or other credit cards that have a better APR ?.  <response>: Here on PF you are going to hear to never pick a card based on interest rates because you should never carry a balance. If you do that is how you get into trouble, which is true. You should only use it for an amount that you can pay each statement off in full.Having said that the no fee, rewards, 0 APR and 12.99 is pretty darn good for a first card. 