I’m wanting to get a credit card, and I’m unsure what’s the best one to get. My credit score is good I guess, but I want to raise it a bit more. I’ve never had an actual credit card, am 30 years old, and am pretty responsible with my money, but I feel like I should have one in case of an emergency. Especially being a single mom of two kids.

I found this one, but I don’t understand what purchase APR or Transfer Info means. Can someone please explain it to me?

Also, if I apply and am approved for the credit card, when do I get to use it, and will it bump my credit score down or raise it for opening an account?

Does the annual fee mean I could get it, not use it, and not have to pay anything monthly or yearly?