Thanks for the responses!
I checked my credit report in September using Annual Credit Report.com (I'm not entirely sure if that was the name, but it was something like that). So far everything looks good, and there wasn't anything odd on there. That site did not tell me what my actual scores were though, I think you had to pay for that.
I will do research on the Discover IT card to learn more about it. I don't think I know anyone who has a discover card, so if you want to give me your referral link darkguy2, I'll use it.
I'll also search around the forums to see what people are saying about the Discover IT card (so far I see it being recommended often), and I will also look to see if there are any other cards that are travel friendly.
On another note: Is there a sticky on this forum that give information on what to known/look for, or how to decide if the card you're looking at is right for you? I found the post that lists a lot of the shorthand jargon on here, but a post on how to actually assess a card would be nice. If there is no such post, do you guys have any websites you'd recommend?
My family isn't the most savvy or responsible when it comes to credit. My mother has filed bankruptcy three times. My father has good credit (pays all the cards on time), but paying his credit card bills takes a huge chunk of his income, so I don't want to follow in their foot steps.