Just get a card with wide acceptance and no annual fee: any basic Visa or Mastercard from any bank. Keep it simple and just get one from the bank you already u

Just get a card with wide acceptance and no annual fee: any basic Visa or Mastercard from any bank. Keep it simple and just get one from the bank you already use for checking -- then you will only have one online banking portal to use for both your card and your checking account. Set up autopay for one of your monthly bills to use the card. Set up another autopay from your checking account to pay off the card's balance every month. Do that, and you will have a credit card that is regularly used, with a history of paying the bill on time, without spending any money you would not have spent anyway.