[zraffz]

I have never owned any credit cards and the last time I checked, I had zero credit history. I've always just paid for larger stuff with cash and smaller stuff with cash/debit card. I would like to start building credit though and I have no idea where to start.
I'm 21, I make $33,900 a year (without including OT -- usually around $7,500 more). I have no debt and don't owe money on anything as far as the credit companies would know (My cell phone bill is under my brother's policy and I just give him money every month).

What cards should I apply for and what should I look for? I started to read up and the bank told me I had a chance for being approved for a 7.9% APR card; is that descent for someone who is new to this?

Any help/tips/knowledge appreciated.