Need Help Picking First Credit Card

[boosami]

Thanks everybody for all of your help. I got approved for the Platinum Visa from PenFed! As a student I get to join SAME for free, and it's $5 to have a share in the credit union.

I really appreciate the advice, it seems like this is the best card I could find!

Congrats! It's a great card: 2%-5% off purchases, and no points to fool with because the cashback is applied directly to your balance. Enjoy!

[snafu]

nyair, you didn't mention your travel destinations and I'm not sure you realize that CCs are not accepted as widely elsewhere. Many places charge the customer 5% over purchase price in fees. Before departure, find out if/what foreign fee PenFed charges. If possible link it to your chequing a/c to facilitate cash withdrawls overseas. Email yourself a note with a/c details and phone numbers should you need to call the CC while traveling