A starter credit card that doesn’t charge an annual fee makes it easier to preserve the length of your credit history and your credit score because you can keep it open for a long time at no cost.

There's no annual fee and, as a welcome bonus ... You can piggyback off the primary cardholder's credit and establish your credit history. If you fail to make payments, however, it's the primary ...

Credit cards offer rewards and cashbacks, enhancing lifestyle without overspending. However, they come with annual fees.