I don’t think so, but you can use it to build a good credit history if you are careful to pay it off on time. A number of things go into calculating your credit score. One is how long you have a card continuously. This is the mean of the length of time you’ve had all your cards, so if you have one card for six years and open a new one, your score will be calculated from an average of three years. Then how often you pay and whether it is on time, and the maximum amount of credit you have vs. how much is available. Another thing is applying for new cards. When people look up your credit score, it is either a “hard pull” or a “soft pull.” A hard pull is something like applying for a new card or a loan. Getting approved for more credit is contingent upon this lookup, and when they do this it has a small negative impact on your score if you are rejected. If you do multiple hard pulls in a short period of time, like a few weeks, you will not lose points, because there are valid reasons for doing this, like shopping around for a new card. A soft pull doesn’t have any effect on your score. It is something like a prospective employer looking up your score.
You can get a debit card with an interest- bearing account. I have PNC virtual wallet, and they have a free checking account with no interest, a short-term savings with low interest, and a long-term saving account with higher interest linked on the same card. It’s pretty easy to move money around between the three. I think there is also an option to link a line of credit. There are lots of other banks that will let you do something similar, and almost any bank will let you link a line of credit with a checking account for overdraft protection.