You should start out with one card, a bank Visa or Mastercard that's appropriate for you.
Pay your bills in full and after a while if you want a gas charge card, example Citgo or Exxon/Mobil without the Mastercard or Visa logo. that's fine.
Then a Discover card. Pay all of your bills in full, use your card but pay your bills in full.
It may take a few years. I'm 45 years old with 803. I have
- Exxon/Mobil member since 1994
- Discover More card member since 1998
- Capitol1 venture gold version 1.25 miles per dollar
- American Express green card member since 2010
- Citgo just this year