If you're a student, consider checking with your bank to see if they offer a credit card specifically for students.

If you have not yet started establishing a credit history, check out secured credit card options. A secured credit card has been referred to as a "credit card on training wheels" because you have to deposit a set amount into a savings account as collateral for the amount you borrow, so it's like using your own money.

Plus, you get: Whether you have no credit or bad credit, the Visa Blue will help you build it back up.

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Plus, with no annual fee, all you have to do is choose the card that meets your needs and apply today.

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Depending on the type you have, there are lots of perks you may be able to take advantage of.

For example, if you're a traveler who loves to explore internationally, you can try a credit card that waves the foreign transaction fee — which is normally 2 to 3 percent. I believe a good benchmark is to have two cards from different credit card processors — for example, Visa and American Express — in case vendors do not accept all types.

If you have a poor credit history, start to reverse the trend by making an effort to pay off your debt in full if you are able to. There are a variety of ways that you can potentially prove to a lender that you are creditworthy: Pay your student loan monthly balance in full and on time, never miss payments on everyday bills, make a steady income, and open a checking account with the bank where you will apply for a credit card, loan, or mortgage. No, but debit cards can help you establish a relationship with the bank where your account is.

Also, check to make sure you have no outstanding medical bills or parking tickets, which are two of the biggest credit-score tankers outside of credit card debt. If you are in good standing and have been a bank's client for some time, you may be more likely to be considered for a loan or credit card.

If you have a poor credit score, a secured credit score could be your best option to rebuild your credit.

The downsides of secured credit card are that they tend to have annual fees, application fees, late-payment penalties, high interest rates, and over-the-limit charges.

I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.

The more cards you have, the more you will need to keep track of, so having just a few can help you simplify your overall credit card management.

You can now add Cash to the list of rewards you can get with this card.