Choosing the right credit card is an overriding process for anyone, especially for those who use their credit card for the first time. If you want to get your first credit card, use our cheat sheet to help you find the best credit card.

Check your credit score

Before you apply for your first credit card, let's see what your credit score is. Your credit score allows credit card companies to view your credit or the reliability of your loan repayment. Use your credit score as a guide when looking for the right credit card, so you won't be applying for a credit card with a low probability of approval.

No annual fee

Your first credit card should not have an annual fee. You want to use and keep your first credit card account open as long as possible to improve your credit score.

Secure credit card

If you are between the ages of 18-25 and you are applying for your first credit card, chances are that your credit history is limited (if any). Many people want to know, if I am not qualified to apply for a credit card, how can I start to build a credit score? The solution lies in a secure credit card.

Unlike the above unsecured card, a secured card requires a deposit as a collateral to prevent you from repaying the loan. These cards are easier to qualify and can serve as a great opportunity to start building your credit score from scratch or rebuilding your credit score if it's poor. Do not consider low credit limits and limited returns as a disadvantage. Instead, treat it as an opportunity to learn how to manage your credit card successfully. If you pay your monthly balance in full and do not exceed your spending limit, you will soon benefit from responsible credit card usage. At any time, when you build your credit score, you will be eligible for a higher credit card limit, lower April and better rewards.