If your score is low or you have zero credit history, you may want to look at "beginner" cards specifically designed for building credit.

Many issuers, such as NerdWallet , offer pre-qualification tools that let you see your chances of approval without affecting your credit score. 2. Choose the Right Type of Card

Full name, birth date, and Social Security number.

Annual gross income and monthly housing payment.

Not all cards are created equal. Match the card to your current financial situation: