If you’re ready for your very first credit card, I’d first like to praise you for doing your research before accepting the first offer you receive. Credit cards aren’t created equal. Even among starter credit cards, terms and benefits vary. Here’s everything you need to know to help you pick the right card for your situation.

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Before you start applying, make sure you have a good understanding of the basics of credit. You should know how credit card interest works (and how to avoid paying it), as well as how credit scores work and why they matter.

Once you feel confident about using your first card, it’s time to start weighing your options. If you’re a credit newcomer, you probably won’t have access to most credit cards because issuers don’t have the data to assess how much of a credit risk you are. Still, there’s a couple of ways you can get access to your first credit card account.