good first-timer credit cards

conquering credit & credit cards

Share

Share on facebook
Share on twitter
Share on linkedin
Share on email

what's in this lesson?

Ready to get started and enter the world of credit cards? You came to the right place. Let’s take a look at a few great options for your first card and how to get a credit card for both college students and recent grads.

good first-timer credit cards

conquering credit & credit cards

Share

Share on facebook
Share on twitter
Share on linkedin
Share on email
  • Overview
  • Transcript
  • Resources

good first-timer credit cards

conquering credit & credit cards

Ready to get started and enter the world of credit cards? You came to the right place. Let’s take a look at a few great options for your first card and how to get a credit card for both college students and recent grads.

1. Bank of America Cash Rewards Credit Card

 

The Bank of America Cash Rewards credit card comes with no annual fee, and you can get a $200 cash rewards bonus when you spend at least $1,000 in purchases in the first 90 days. Plus, you can choose a spending category to get 3% cashback. For example, if you’re a big restaurant-goer, it’s a great option to earn some bonus cash each time you dine out.

 


2. Capital One Platinum Credit Card

 

Another great option for recent grads is Capital One’s Platinum Credit Card. If you have a limited credit history, your credit line (aka “limit”) might be low at first, but you’re able to build it over time. This card also has no fees, including no annual fee, no foreign transaction fee, and no penalty APR.

 

 

3. Discover it Cash Back

 

Are you still a student? Discover offers some great starter credit cards for students such as the Discover it Cash Back Student. There’s a similar option available for recent grads with similar perks. There’s no annual fee (major key) and you can get up to 5% back on everyday purchases. If you get denied for this card because you have no credit history, try starting with the Discover it Secured card. It requires a deposit, but you can start building credit until you’re eligible for another card.

 

 

4. Any Secured Credit Card

 

Don’t have the best credit or have no credit? Well, that can make it tough to get many credit cards. Thankfully, secured cards exist. For more on this, check out our secured card vs. unsecured card lesson (coming in January). Over time, you can build good credit, making it possible to raise your credit limit and get cards with even more benefits.

 

These are just a few of the great card options out there. Again, depending on your needs, thankfully there will be something that’s right for you. But, no matter what you choose, make sure to check out all the details before finishing your sign up.

 

 

Need a refresher? Head to our “Credit Card Terms to Know” lessons to brush up.

 

Source(s): Bank of America, Capital One, Discover, Bankrate

what's in this lesson?

Ready to get started and enter the world of credit cards? You came to the right place. Let’s take a look at a few great options for your first card and how to get a credit card for both college students and recent grads.

Transcript

1. Bank of America Cash Rewards Credit Card

 

The Bank of America Cash Rewards credit card comes with no annual fee, and you can get a $200 cash rewards bonus when you spend at least $1,000 in purchases in the first 90 days. Plus, you can choose a spending category to get 3% cashback. For example, if you’re a big restaurant-goer, it’s a great option to earn some bonus cash each time you dine out.

 


2. Capital One Platinum Credit Card

 

Another great option for recent grads is Capital One’s Platinum Credit Card. If you have a limited credit history, your credit line (aka “limit”) might be low at first, but you’re able to build it over time. This card also has no fees, including no annual fee, no foreign transaction fee, and no penalty APR.

 

 

3. Discover it Cash Back

 

Are you still a student? Discover offers some great starter credit cards for students such as the Discover it Cash Back Student. There’s a similar option available for recent grads with similar perks. There’s no annual fee (major key) and you can get up to 5% back on everyday purchases. If you get denied for this card because you have no credit history, try starting with the Discover it Secured card. It requires a deposit, but you can start building credit until you’re eligible for another card.

 

 

4. Any Secured Credit Card

 

Don’t have the best credit or have no credit? Well, that can make it tough to get many credit cards. Thankfully, secured cards exist. For more on this, check out our secured card vs. unsecured card lesson (coming in January). Over time, you can build good credit, making it possible to raise your credit limit and get cards with even more benefits.

 

These are just a few of the great card options out there. Again, depending on your needs, thankfully there will be something that’s right for you. But, no matter what you choose, make sure to check out all the details before finishing your sign up.

 

 

Need a refresher? Head to our “Credit Card Terms to Know” lessons to brush up.

 

Source(s): Bank of America, Capital One, Discover, Bankrate

Additional Resources

How's it going?

1 = not helpful at all; 5 = extremely helpful

Sign up for course updates!

* indicates required
What topic(s) are you interested in?

By subscribing, you agree to our Privacy Policy and Terms of Use. You can unsubscribe at any time by contacting onomy or using the unsubscribe link.

lessons