Opening a starter credit card is a great way to build up your credit standing if you’ve: 1) never had a U.S. loan or credit card under your name, 2) you’ve have had one for less than 3 years, or 3) you’ve misused credit in the past. Starter credit cards are designed specifically for individuals with such credit histories, which means they should be relatively easy to get approved for but probably won’t offer eye-catching rewards or very low interest rates. Your objective in choosing one of these beginner credit cards (some of which originate from CardHub advertising partners) should therefore be to minimize the fees that you pay. Then, as long as you remember to pay your bill on time every month, you will be able to cost-effectively build credit and work your way toward getting approved for one of the best credit cards on the market one day. It is also important to note that there are various types of starter credit cards, with some targeted to people with no credit, others to people with damaged credit, and still others to students.