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.
The average variable APR rate — that is, one that changes rather than stays "fixed" at one rate — is just over 15 percent, so be wary of anything higher than average.
Is there such a thing as a card that has 0 percent APR and stays that way?
It's not uncommon for credit cards to have a 0 percent introductory APR.
Depending on the type of card and the provider, this intro amount can be available for up to 18 months.
Not to mention, they give you another card to track.
Because you probably won't use a store credit card frequently, you're probably more likely to forget it exists — and forget to pay it off. Annual percentage rate, or the interest rate you'll be charged on your credit card debt each year.
What's the best "starter" credit card, if that exists?
This depends on a number of factors including who you prefer to bank with and what your needs are.
I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.