Get approved with these links: American Express Blue Business Cash American Express Business Gold Blue Business American Express
If you’re looking for a credit card, you might be getting overwhelmed with all the choices available to you.
A good credit card could help improve your score and save you money in the long-term.
In this post, you will uncover the top 5 credit cards for beginners so you can establish good credit and get better terms from your lenders.
Discover it® Secured Credit Card asks for at least a $200 refundable deposit. In exchange, they will help you establish credit by reporting to the major credit bureaus.
This card offers a refundable deposit, 22.99% variable APR, no annual fees and a quarterly 2% cash back option on purchases from restaurants and gas stations. You’ll get 1% cash back on everything else.
Plus, they’ll even match the cash back reward at the end of your first year with them.
You don’t need much credit history to apply for the Capital One® Platinum Credit Card. This card has no annual fee and a 26.99% variable APR.
The only drawback to the Capital One® Platinum card is that it does not offer rewards. However, this card could be an asset to anyone wanting to establish credit.
OpenSky® Secured Visa® Credit Card does not check credit when you apply, so if you only have an income, you’re likely to get approved.
This card requires a refundable deposit of at least $200 and has a $35 annual fee. Your credit limit is set at the exact amount of your deposit.
If you’re a student, the Journey® Student Rewards card will help you build your credit. They don’t require much credit history, making it the ideal card for the student who wants to build a solid record.
This card has a 26.99% variable APR, but if you pay your balance in full during the grace period, you won’t be charged interest.
It offers unlimited 1% cash back on every purchase, no annual fee and no foreign transaction fees for travel abroad.
Capital One® QuicksilverOne® offers great rewards to people with no credit. It gives 1.5% cash back on all purchases, which is generous for a beginning credit card.
QuicksilverOne charges a $39 annual fee, but you can make up for this if you charge at least $2,600 per year to your card. This card has a 26.99% variable APR.
Credit cards are a useful tool for establishing and building credit. If you want more advice on building your credit and achieving your financial goals, go here and Schedule a free consultation.
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