I agree. I just turned 23 and graduated from college not too long ago. Last summer I applied and was approved for a AMEX Premier Rewards card (mind you, while still in school and working as an intern during the summer) and then was recently approved for the AMEX Delta Reserve since taking a job in January. My first card was a local credit union student cc that I got at age 19 which is my oldest card with the AMEX PR coming next. With the PR card, I've learned discipline with paying off cards every month and keeping my spending in check to ensure that I can pay off my bills every month. But as always, YMMV