When getting your first credit card, most people have no idea how important it is to get it right. They should choose a credit card wisely so they can avoid high fees and interest rates.

First, try to find cards that avoid annual fees because you want to keep fees to a minimum.  Also, look for a credit card that offers other useful benefits like the ones that pay you to spend money.

Here are three other factors:

1. Consider Student Card Options
2. Look for Rewards Cards
3. Check Out Secured Cards