Make sure you track what you spend on a credit card and NEVER spend more then you have in checking to pay it. Pay in full every month. You avoid interest on credit cards this way. For a first card, look for something with no annual fee and some cash back rewards. Both Discover and Capital One have pre approval pages that won’t hard pull your credit and tell you ahead of a full application what cards, if any, you can get. You can eliminate some of the risk of being declined for a card this way. If you have an IPhone Apple Card is complexly risk free to apply for. You only get a hard pull IF you are approved and you accept the offer