A beginner credit card is a great option if you are just starting out with credit. These cards can help you build your credit history and allow you to qualify later for better terms. You may even be eligible for rewards if you make good use. In this article, we'll examine some of the best beginner credit cards. You may also find our guide to first access visa card cards useful. Below are the top-rated beginner credit cards.
Capital One Venture Rewards Credit Card
Capital One Venture Reward credit card is not for everyone. There are certain criteria that you must adhere to. You can still apply for the card even if your bankruptcy is not filed. However, you will have to wait for your default to be removed from the credit report if there are any missed payments. You may need to wait until you have a good credit score in the middle 700s to apply.
Citi Premier
Citi Premier(r), which is available in a variety of currencies, may be the best credit card for you if your first credit card search. The card is affordable at $95 per year and rewards spending in popular areas with flexible ThankYou point. You can exchange your points for cash back or travel rewards. For every dollar you spend on the card, you can earn up 80,000 ThankYou points. This points can be converted into gift cards in the amount of $800.
Oakstone Platinum Secured mastercard
The secure card offers many benefits to beginning consumers. It offers low APRs and a high credit limit, as well as reporting your payment history to the three major credit bureaus. It is free of penalty rates and does not require an annual fee. However, the one major drawback is that there is no signup bonus or rewards program. In addition, it requires a security deposit of $200, which is not much compared to other secured cards. Keep in mind, however, that the card has a three percent foreign transaction charge.
First Access Visa Credit Card
You may be a beginner to credit card use and wondering if the First Access Visa Credit Card might be right for your needs. The credit card is a great choice for people with bad credit because it can help you raise your credit score. Your monthly credit card usage will be reported to the three major credit agencies. The high APR of this card for purchases means it is not the best option for those who aren't planning to make regular payments. MoneyGeek's standard methodology will provide you with an accurate score for credit.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is the best option for anyone new to the points and miles hobby. This card offers all the features that professional cardholders need, at an affordable price. The card comes with everything you need, including cash back and rewards. This card is brand new and you will find many ways to maximize your points. You'll be amazed at how quickly your rewards add up!