Any credit card with no annual fee
Once you get it, pay it off in full each month
Or if you don't pay in full, you choose not to to show you can make minimum payments on time each month to build your credit, then after 4 months of this, pay it off in full
LIVE WITHIN YOUR MEANS and don't charge to the credit card if you cannot pay it off.
Of course "emergencies" will happen and you may get into debt and "work for the bank" to pay it off and feel like a slave working for the bank as usually happens to most people.
When you are neck deep in debt, the only "secret" is make boatloads of money and pay it all off. How do you make boatloads of money, for most people, get an education and a job that pays well. How to pick your major and how to get a job, that's another life lesson.
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youdontkillmoney financial stats:
22 years of credit experience without EVER being late or missing a payment.
Experian FICO score: 798
Total 17 credit cards: $210,110:
AMEX Platinum ($85,000 with $450 annual fee plus an extra $175 for up to three additional member cards for $625 total each year); Barclay's Black Card Stainless Steel Visa card ($10,000 with $495 annual fee and the last time I use this card the reaction is "wow, your card is heavy" and I just smile); Diners Club Carte Blanche ($15,000 with $300 annual fee); AMEX Business Platinum ($3,000); Bank of America Visa Signature ($5,000); Capital One ($2,000); Citibank MasterCard ($13,000); Discover ($3,000); Capital One Quicksilver (formerly HSBC) $20,000; JCB Card ($3,000); Juniper MasterCard ($5,000); Merrill Lynch Visa Signature ($5,000); US Bank Visa ($3,500); Wells Fargo Visa ($9,000); Credit Union Visa ($7,500); Chase Freedom Visa ($8,000); Citi Diamond Preferred ($13,200)
Total 4 Lines of Credit: $45,200
Wells Fargo Line of Credit: $11,200 ($25 annual fee with 13.75% APR)
Credit Union: $20,000 ($0 annual fee with 15% APR)
US Bank Premier Plus Line of Credit: $5,000 ($0 annual fee with 13% APR)
Citibank Custom Line of Credit: $9,000 ($50 annual fee waived first year, and if used once a year, annual fee waived with 12.99% APR)
