There are many factors you should consider when shopping for your first credit cards. Consider how much money you intend to spend and for what purpose you will use the card. A credit card is not free money. You will pay interest if it isn't paid in full. Ideal cards have a low interest rate and a 0% introductory period.
Diners Club Card
Diners Club cards are credit cards that can be used to shop at restaurants. In 1961, it was introduced in India. Frank McNamara, a restaurateur, was the one who came up with this idea. It was originally introduced by Frank McNamara, a restaurant owner.
The Diners Club was founded by businessman Frank McNamara, who had just left his wallet at a restaurant in New York City. Instead of paying the bill in cash, he asked his wife for help. This embarrassing moment led to the creation of the Diners Club cards. McNamara and his business partner returned to the restaurant with a cardboard card, and the Diners Club card was born.
Chase Sapphire Preferred
Chase Sapphire Prreferred could be the card for you if your passion is traveling and you want a simple card experience. Its low annual charge and solid reward accumulation rate make this a great card. Find out how it compares to the rest. The card is reviewed, and you will find answers for frequently asked questions.
Consider first how flexible this card is. One point per dollar spent on Chase Sapphire Preferred earns you flexible rewards. The card earns one point for every dollar spent on miscellaneous costs. If you prefer flat rewards, you can opt for the Capital One Venture Rewards Credit Card.
Capital One Quicksilver
Capital One Quicksilver cards are the best option for those who desire simplicity and convenience in their financial lives. It has a flat rewards rate, which is easy to remember, and there is no annual charge. There are no interest costs or offsetting expenses. It is easy to see the amount you are earning.
Although Capital One Quicksilver might not be the best choice for people with poor credit scores, it does have some benefits that might make it worthwhile to consider as your first card. The card also offers an intro APR deal and rewards for early spend. But if you want a more advanced credit cards with travel rewards or higher cashback rate, then you might want to reconsider.
Capital One Platinum Card Credit Card
For those with a poor credit history, the Capital One Platinum Credit Card can be a great choice. The card has no annual fees, no credit score requirements and requires no security deposit. This card is ideal for those who need to rebuild credit after a financial hardship. You can also get approval chances and a low interest rate, even if you have a FICO score of 580. It does not have a rewards system.
The Capital One Platinum Credit Card does not offer rewards but it is a great choice for customers looking to improve their credit score. After six months of card use, you will be eligible to receive a credit increase if all your payments are made on time and you have a low rate of credit utilization. You will not be charged any foreign transaction fees and no annual fees.
Citi Rewards+(sm) Student Card
Citi Rewards+(sm), student card may be a good choice if you are a student looking for a creditcard. This card allows you to earn two ThankYou points per dollar spent at supermarkets and gas stations. The card is valid for six months and points are available to redeem for gift cards, free travel, or online shopping.
The Citi Rewards+(sm), Student Card is a great choice for students studying abroad and recent graduates looking for credit cards. The card does not have an annual fee but charges 3% for international transactions. This card is not recommended for extended trips.