If you are just getting started in credit, a beginner card is a good option. These cards help you build a strong credit history that will eventually allow you to qualify for better terms later on. Some of these cards even offer rewards for good use of the card. We'll be looking at the top beginner credit cards. You may also find our guide to first access visa card cards useful. Listed below are some of the most popular beginner credit cards.
Capital One Venture Rewards Card
Capital One Venture Rewards credit cards are subject to strict requirements. You can still apply for the card even if your bankruptcy is not filed. You will need to wait until the default is removed from your credit report if your loans have been late. 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. You pay a low $95 annually fee, and you get flexible ThankYou Points for your spending. You can exchange your points for cash back or travel rewards. Additionally, the card allows you to earn upto 80,000 ThankYoupoints for every dollar that you spend. This points can be converted into gift cards in the amount of $800.
Oakstone Platinum Secured mastercard
This secure credit card has many advantages for consumers who are just starting out. It has low APRs and a large credit limit. You can also report your payment history on the major credit bureaus. Additionally, there is no annual fee and it does not have penalty rates. However, the one major drawback is that there is no signup bonus or rewards program. You will need to make a $200 security deposit. This isn't much when compared with other secured card options. This card also charges a three percent foreign transaction fee.
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. Bad credit people will love the credit card because it can increase your credit score. All three major credit agencies will be able to see your monthly usage. The card's APR is very high, and it might not suit everyone. MoneyGeek's standard methodology will provide you with an accurate score for credit.
Chase Sapphire Preferred card
The Chase Sapphire Preferred Card, if you're just starting out in the miles and points world, is the right tool for you. This card is affordable and offers all the same features as professional cardholders, but with a lower price. This card offers everything you need to earn miles and points, from cash back to rewards. Because it's a new card you'll find many ways to maximize points. You'll be astonished at how fast your rewards add up.