This is it. You’re finally ready for your first credit card, the little piece of plastic that will unlock new worlds and forever change your credit score. That being said, you really don’t know where to start with getting one of your own.
Many credit card companies make cards and plans for people who have more experience with how buying with credit works, or for those who need a specific plan or set of perks. But what about plans for those who are just starting off?
Luckily, you can find a credit card for beginners like you that can help you buy the things you need and build up your credit at the same time – and it’s much easier than you think.
How to Get Your Hands on the Right Credit Card for Beginners
The perfect card for you is actually closer than you think. Read on to learn which one is right for you.
The Best for Orientation: Discover It Cash Back Card
The Discover It Cash Back Card is easily one of the best there is for those who are totally new to how a credit card (or credit in general) works. Everything is laid out and made simple, and the benefits are sweet.
For a full 14 months after you activate your card, you don’t have to pay any interest. That’s right: zero. In that same time, you also gain cash back on purchases made, including 5% rotating perks each quarter.
And the best part? At the end of the 14 months, any cash back that you’ve earned is doubled by Discover. Top that off with the fact that you get access to free and unlimited credit checks and this card is a no-brainer.
The Best Cash Back: The Blue Cash Preferred Card
One of the best features on a credit card is the cash back plan. With cash back, card owners are allowed to gain cash from the credit card company just by using the card on purchases.
The Blue Cash Preferred card takes this to a whole new level. If you spend over a thousand on purchases in the first three months of owning the card, you’ll get $200 in cash back returns.
You also earn 6% cash back on purchases at supermarkets, 3% at U.S. gas stations, and 1% on anything else. What’s not to love?
The Best Card to Skip on Fees: The Chase Freedom Unlimited Card
No one likes to pay fees. Thankfully, with the Chase Freedom Unlimited Card, you don’t have to.
With this card, making payments seems to be a thing of the past. First of all, there’s no minimum for your cash back to qualify. There’s also 0% interest for the first 15 months after activation.
To top things off, there’s also no annual fee to worry about – ever.
With these savings, you’re guaranteed to keep a load of money in your pocket.
No matter which card you decide to get, all of them are a fantastic choice to help finance your car wreck attorney. Make sure to have a look into them today!
Learn Your Financial Know-How
We know a thing or two about finance, and we’d love to share it with you. Our site covers more on getting a credit card for beginners, as well as tips for managing credit, working through debt, investment tips, and everything in between.
Have a look around. We’re sure there’s something for you here.
