When you’re ready to get your first credit card, it can be a challenge to know which card to pick. The best first credit card for you will depend on a combination of factors including whether you are just starting your credit journey, already have some credit history and other attributes like your willingness to pay an annual fee and your employment status.

Regardless of which category you’re in your goal should be the same: Find the best first credit card for your unique needs and financial standing that will help you establish good credit card habits from the start.

Even if you don’t have a credit card, you may have some credit history. Being an authorized user on someone else’s card, having a bank account, a mobile phone account or a streaming service in your name can all potentially contribute towards your overall credit score. An auto loan or a student loan will also contribute towards building up a history of responsible payment behavior.

Low CostAdvisor has curated a list of cards that offer the best combination of features to suit just about anyone seeking their first credit card, whether you’re new to credit or have some established credit.