There are several credit cards out there you can get depends what your credit score is. I don't like Discover because I can't take it with me when I'm oversea. If you like to talk to a banker, local bank also has credit cards. You definitely have to deal by phone with most major credit card companies, not just BOA. If you use the card responsibly, you will have a decent credit card. Lots of credit cards have world points program that you earn points while using it. It's totally free.