Look at the annual fee. I don't know if its good or not but read the the letter to see if have to pay to have. If you have good credit you should not have to pay an annual fee. If you have bad or no credit you may have to pay an annual fee to help establish credit. Look at the interest rate they charge to see it is a good choice. If you have little credit the rate will be higher but if you pay balance off each month you don't pay interest but establish credit. Charge 20 dollars each month and pay each month then cancel high interest card once you get new credit offers for better rate.