Which type of card should be avoided for an initial card?

• A. Rewards cards.
• B. A standard debit card.
• C. A basic student card with no rewards.
• D. A card with low fees and no annual fee.

Answer: (A)

Keep it simple and affordable when you’re building credit. Rewards cards often tempt you to spend more or carry a balance just to earn perks, and they usually come with higher interest rates, annual fees, and complex rules that can be confusing for a beginner. Even if you think you’ll pay in full every month, the extra complexity and potential costs make rewards cards a riskier starting choice. A basic student card with no rewards fits a limited credit history and typically has no annual fee, helping you establish a track record of on-time payments without extra costs. A card with low or no annual fee is another sensible starter option because it minimizes ongoing costs while you learn to manage credit responsibly. A standard debit card won’t build credit at all since it isn’t a credit product, so it’s not a substitute for a first credit card. Focusing on a simple, low-cost starter card helps you learn good habits and grow your credit score over time.