So you’ve just turned 19, and the world of credit cards is calling your name like a catchy pop song stuck in your head. It’s an exciting step, and getting the right first credit card can set you up for financial success, just like choosing the perfect starter Pokémon can lead to legendary battles down the road. But with so many options—student cards, secured cards, and entry-level cards with no annual fee—how do you decide which one is your ideal match?

Let’s start with student credit cards. These are tailored for folks like you who are just stepping into the adult world while juggling classes and maybe even a part-time job. If you’re enrolled in college, a student card can be a fantastic choice. They often come with lower credit limits, which means less risk for you (and for the lender), but they also typically offer rewards for things like good grades or certain purchases. Plus, they help you build credit history, which is a little like leveling up in your favorite video game. The more you use it responsibly, the stronger your credit score becomes.

Now, let’s talk about secured cards. Think of these as the training wheels of the credit card world. With a secured card, you put down a cash deposit that acts as your credit limit. It’s a great way to dip your toes into credit without the risk of going overboard. You use the card just like a regular credit card—make purchases and pay them off on time—and, in return, you build a credit history. Just remember, because you’re putting down that deposit, it’s crucial to choose a card with low fees and a solid path to transitioning to an unsecured card in the future.

Then there are the entry-level cards with no annual fee. These cards are like the friendly neighborhood superheroes of credit cards—accessible and straightforward. They’re perfect if you want to keep things simple while you begin your credit journey. While they may not offer extravagant rewards or perks, they usually come with relatively easy approval processes, especially for someone new to credit. Just be mindful of the interest rates and make sure to pay your balance in full each month to avoid finance charges.

Ultimately, the best card for you will depend on your lifestyle and how you plan to use credit. Are you someone who can commit to making payments on time and managing your spending? If so, a student card could offer you some fun perks while building your history. If you’re a bit hesitant and want to play it safe, a secured card might be the way to go. And if you’re simply looking for an easy starting point, an entry-level card with no annual fee could fit right into your wallet.

Whichever route you choose, remember that building credit is much like crafting a classic movie franchise—start with a solid first installment, and the sequels will follow. You’ll want to keep your credit utilization low, pay your bills on time, and monitor your credit score. Before you know it, you’ll be on your way to a credit score that would make even the most seasoned financial guru proud.