I signed up through the USF Credit Union since Ive had an acct there for a while. I also work and go to school there so I guess it helps. Its a student Visa card. Ive also had many offers come to me in the mail for credit cards but decided just to go through my bank. You might want to talk to your bank or if your in school, Im sure they have some deal out there. Its important to build credit and you have to start somewhere.