It sounds like you have a pre-paid credit card. There is no applying for those. They are bought in a store and have a certain value to them. You can always just try applying for a 'credit card' like a Discover, Visa, MasterCard, American Express from one of the websites. You could go to Capital One and apply or even apply on Discover.com or AmericanExpress.com. You can apply for a credit card through your bank as well. Most credit card companies require a stable work history, good credit and at least some kind of credit reporting already reporting to you credit report.