Getting your first credit card is a great idea because using a credit card responsibly is the easiest way to build a good credit score. According to WalletHub’s analysis of more than 1,500 credit card offers, the best credit cards for first-timers have annual fees as low as $0, high approval odds for inexperienced applicants, and monthly reporting to the three major credit bureaus. So, good first-time credit cards are accessible, inexpensive, and capable of helping you save money while building credit. Charles M. C. Lee, professor of accounting at the UW, is interviewed.