Transparency is what rings the most here. I set up my first ever credit card with chase bank on their unlimited freedom card. I was explained all fees (if applicable), all interest rates and what my best option was. The only reason I wanted a credit card was to simply build my credit. The cash back option is amazing, you spend money you would spend normally on a debit card, but you get money for FREE (as long as you pay on time) just be responsible! I would recommend this card for any first time credit card users!