>>12738828If you've never had a loan or credit card before, it's very unlikely a bank will give you a basic credit card at all, let alone a card with rewards benefits.
If you are denied both of those, you will need to put down a $200-$500 deposit to hold a secured credit card for 6-10 months until you can get an unsecured credit card or rewards card.
And another note, just having a credit card and paying it off each month is not the only metric by which your credit is based on. You will also need a steady income, and probably an installment loan(like a car payment, something too big to pay off all at once) if you want to /actually/ have good credit.
