Best Credit Cards for Beginners with no or bad credit history
It is no secret that the best way to build credit is through responsible use of credit cards. A good credit score can make it possible to get a loan, rent an apartment, or even find a job. However, many people are wary of getting their first credit card because they don’t know which one will be right.
The introduction of the credit card has revolutionized the way we pay for things. The convenience of paying with plastic is unmatched, and there are so many different types of cards to choose from. But it’s not always easy to figure out which Card is best for you.
There are so many factors that decide what type of Card will work best for your needs. You have to find a card that offers benefits that meet your lifestyle, matches your level of responsibility, and also comes with an annual fee you’re willing to pay. Here are some tips on how you can find the best credit card for you in 2022.
What to Consider When Choosing a Beginners Credit Card?
The credit card companies want you to think that all credit cards are made equal. The truth is, not all credit cards are created equal, and you want to find a card that’s perfect for your lifestyle.
The first thing to consider when looking at a credit card is the annual fee.
Some cards have a steep annual fee, while others don’t have any fees at all. You’ll want to find a card with a yearly fee that matches your lifestyle. If you spend a lot of money on your credit card, it may be worth paying the higher annual fee for rewards.
The second consideration is the type of reward.
There are so many different types of rewards out there, so you want to find one that works best for you. What are you interested in? Cashback? Miles? Sometimes it may be worth it to forgo the rewards and pay the balance on your credit card each month to avoid interest charges.
Credit score
The third consideration is what your credit score is. If you have a lower credit score, avoid cards that require you to have excellent credit. You’ll need to find a card that offers some leniency if you’re starting with credit cards.
The fourth consideration is what APR the Card offers.
What do beginners look into a credit card?
Beginners or first times don’t know why they need a card. They apply for one as they have their friends and family members possessing credit cards. It is more of a status symbol. So this guide is beneficial for those who are applying for a credit card for the first time.
The best credit cards are not for beginners.
As a neophyte to credit, you apparently won’t be able to qualify for the perfect best credit cards — the ones with generous rewards and perks, big sign-up rewards, or long 0% interest periods. These products are open only to applicants with good or excellent credit scores (690+) and longer credit accounts that meet certain earnings requirements.
You may see the rates and fees before applying.
Credit card issuers are obligated by federal law to publicly disclose several terms, such as interest rates and fees before they apply. These are presented in a Schumer box, a table usually found on a credit card application page online.
A security deposit will help you to get a credit card easily.
Suppose you ought to trouble getting approved for your first credit card. You’re beginning with no credit at all. Go for a secured credit card. The secured credit cards are intended for people with damaged credit or no credit. To initiate your account, you will first need to put down a cash deposit. Your credit limit is typically equivalent to your deposit. Merest deposit requirements range from $200 to $500, depending on the type of card. Most secured cards permit you to deposit more to get a higher credit line.
Late payments come at a high cost.
Abstaining your due date can get pricey quickly. Depending on how late your payment is, you might face:
- Late fee charges. The legal limits on those fees are regulated annually. But frequently, the first time costs well over $20, and consequent violations may be close to $40.
- Penalty APRs. Almost all credit cards no longer impose penalty APRs, but some do. A penalty APR beats in when you pay late and can raise your interest rate to 30% or more right away for current transactions. And suppose the amount is more than 60 days late. The penalty APR applies to your remaining balance.
- Damage your credit: Paying a day late won’t harm your credit. But suppose you pay 30 or more days late. Your payment will also be marked as late on your credit reports, damaging your credit scores.
Smart beginners avoid Interest.
Despite how high your credit card APR is, you don’t ought to pay a dime of interest as long as you spend your credit card bill adequate every month. Thanks to the card’s grace period.
Your first credit card can create your credit or ruin it.
One of the main goals to get your first credit card is to heighten your credit. It would be best if you were careful of your way of spending and paying back. If you are not careful, it may have the opposite effect.
Each month, your bank will report your credit card activity to credit bureaus. These are the companies that compile the credit reports that form the basis of your credit scores. The reported message includes whether your payments have been on time and how much of your free credit you have used. Late payments are evil. Maxing out the card is bad.
The Best Credit Cards For Beginners in 2022
If you’re looking for the best credit cards for beginners in 2022, there are many choices. Many factors go into deciding what type of Card is best for you, but here are some tips on finding the right one.
The first thing you want to do is find the best Card that matches your lifestyle. If you’re someone who spends a lot of time traveling, you might want to consider a card with travel benefits like free checked bags or priority boarding.
If you like to dine out often, there are cards with rewards points for restaurants. Some cards offer cash back for gas and grocery stores.
You also want to consider the level of responsibility you have when choosing a credit card. If you’re someone who pays off their balance in full every month, then you’ll probably want to find the most rewarding Card with the least amount of fees. However, if you tend to carry a balance, you’ll want to find a card with lower interest rates and rewards points.
The last thing you’ll want to look at is the annual fee. You want to make sure that the benefits of the Card outweigh the yearly cost you’ll be paying for it.
1. Discover it® Secured Credit Card
The Discover it® Secured Credit Card stands above the competition in the secured credit world. We love this card despite an unlimited 1% cashback rate on all purchases, plus 2% cashback at gas pumps and eateries on up to $1,000 in mixed purchases each quarter, no penalty APR, and no annual fee for those who require to rebuild their credit. The parallel cashback reward after your first year is a sweet bonus. It comes with 0 annual fees.
When I look for the best credit card for a beginner in 2022, I also consider Cashback rewards earning. It has free FICO score access each month. And for this card, it is uncommon for a secured card.
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will balance all the cashback you have deserved at the end of your first year! There are no minimum spending or max rewards. It is just a dollar-for-dollar match.
2. Citi Double Cash Card
The new Citi Double Cash Card is the new cashback credit card that has just recently been released. Unlike most cashback credit cards, this one gives you 1% cashback when you make the purchase, then an additional 1% cashback once you pay it off!
This Card is somewhat unique because it is also one of the few cards that offer unlimited cashback. That means that no matter how much you spend, you will always get at least 1% back. This Card also carries no annual fees!
But if you are looking for a card with a large sign-on bonus, this one might not be for you. The Citi Double Cash card offers you nothing in the way of a sign-on bonus or cashback match periods.
So if you are looking for a card that offers great perks, this isn’t for you. However, if you are looking for a no-frills cash back card that will allow you to earn some money back on every purchase you make, then the Citi Double Cash Card might be for you.
Read: Best interest free credit cards 2022
3. American Express Gold Card
American Express Gold Card is one of the prestigious credit cards which anyone can use. It has many benefits for its users. It offers a reasonable credit limit, which is $10000. It has a zero annual fee for its users so that anyone can apply for it. It can also be used for a balance transfer of $2000.
It offers rewards of one point for every dollar you spend. It is very flexible in many ways. It is accepted globally, wherever there is American Express acceptance.
If you want to apply for an American Express Gold Card first, you need to determine which credit card you can get approved on first. Make sure you can pay on time and don’t miss the due date. Keep track of your credit score.
Read: Best reward credit cards 2022
4. United Club Infinite Card
The United Club Card Infinite is a great credit card for beginners. It also makes a sound first credit card, especially for those over the age of 18. Why? There are no introductory or annual fees.
There are no foreign transaction fees. The Card has a high credit limit of $10,000. The United Club Card Infinite also comes with a free checked bag on United flights.
With the United Club Card, you get free access to the United Club airport lounges. These United Club lounges are located in airports around the world. Access to these United Club lounges can be very beneficial at many airports. Honestly, everything depends on the location of the lounge.
United Club is a United Airlines frequent flyer club. It is free to join. The sky’s the limit for your reward. Use your miles to redeem for flights to over 120 countries, over 500 destinations in the U.S., or popular vacation destinations around the globe.
5. Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a travel reward credit card. It has a $95 annual fee that is waived the first year. It has a massive list of perks that can save you a ton of money on airfare, hotels, rental cars, and more.
These perks include things like:
- Free trip cancellation insurance
- Free trip delay reimbursement
- A travel credit that can be applied to either your flight or a hotel Chip-enabled Card for use in Europe and other chip card countries
If you’re a beginner, Chase Sapphire Preferred Card is the way to go. For beginners, the main point of having credit cards is to build up your credit history.
The Chase Sapphire Preferred Card’s signup bonus is a massive 50,000 points. When redeemed for travel, fifty thousand points = $625, so this is a pretty lucrative signup bonus. If you make a purchase with your Card within the first three months, you’ll get an additional 5,000 points.
Titanium Rewards Visa Signature Card from Andrews Federal Credit Union
6. Petal 2 “Cash Back, No Fees” Visa Credit Card
Petal 2 indeed has a low APR of 12.99% on purchases and balance transfers. In addition, there are no annual fees thanks to its fixed rate of 0% for the first 15 months of having the Card. The Petal 2 credit card is a Visa-branded card, but it is a debit card rather than a credit card. You cannot use it to get a cash advance.
For the rewards, you will get a 1% cashback on every single purchase you make. Not a very lucrative point for a beginner, but since it has no annual fee, you might as well give it a try.
However, a grace period of 25 days on the Petal 2 card means you don’t have to pay it on time if you can pay it within 25 days from when your purchase date appears on your statement.
7. Chase Sapphire Reserve
The Chase Sapphire Reserve card is one of the best rewards cards. This Card has several excellent benefits, which make it a perfect card for beginners.
This Card can be used to replace your other credit cards. It offers you rewards like cashback, travel insurance, and many other benefits. If you are looking for a rewards card to replace others, the Chase Sapphire Reserve card is the best choice for you.
The Chase Sapphire credit card is a credit card. I highly recommend it to anyone. There are several reasons why I recommend this credit card. The rewards offered by this credit card are generous.
For example, you get triple points on all travel and dining purchases. If you spend a thousand dollars a month on travel and dining, you will get a thousand dollars a year in travel rewards.
Read: Best Credit cards for balance transfer in 2022
8. Blue Cash Preferred Card from American Express
Blue Cash Preferred is best for the people who spend the most on gas, groceries, and department. It is usually recommended for people with excellent credit history, who spend around $1000-$3500 per month on these three expenses.
You will earn 6% cashback on all gas you buy in the first three months of card membership. You can earn up to $250 cashback on categories that you spend most on every year.
The Card offers an introductory APR of 0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 15.24% – 25.24% Variable APR. The Card also offers a $0 annual fee.
If you are one of those people who are consistently spending these amounts on gas, groceries, and department, then this is the best Card for you.
Read: Best Credit Cards with No Annual Fees in 2022
9. Capital One Venture Rewards Credit Card
If you are looking for a card with a generous rewards program, the Capital One Venture Rewards Credit Card is the one you are looking for. This Card offers an upfront bonus of 50,000 miles, worth $500 in travel, when you spend $3,000 in the first three months.
This is one of the highest cash rewards bonuses available. Moreover, the miles earned on this Card are worth 1.25 cents each, which is greater than many similar cards. This is one of the most significant factors in making this Card one of the best travel credit cards. You will earn 1.25 miles for every dollar you spend.
Therefore, if you spend $3,000 in the first three months, you will earn 50,000 miles worth $500 in travel. You can redeem your travel rewards in various ways, including cash back, gift cards, merchandise, travel services, and more.
The best part is that it does not matter what you redeem your rewards for; there is no expiration date. This means that you will be able to save your tips for the perfect time to use them.
Read: Best cashback credit cards 2022
10. Bank of America Travel Rewards credit card for Students
The Bank of America Credit Card for Students is a credit card specializing in students and those individuals who are still new to credit cards.
This Card has an elementary rewards program, and students usually find it easy to use. Cardholders can choose between two options: either receive cashback or points for their purchases.
Those who choose cash rewards will receive 2% cashback on purchases. If cardholders choose rewards points, they will receive 1 point for every $2 spent.
However, those who choose to accumulate points must use their Card to make a purchase each month and pay their balance in full by the due date to ensure that they receive points.
The points that cardholders accumulate can be redeemed for rewards such as cashback, travel, and gift cards. Cardholders can redeem rewards points for cash by visiting an ATM and getting money back equal to the number of issues they have.
Read: Best Credit Cards for online shopping
Conclusion
When trying to find the best credit card for you, it’s essential to consider what you’ll be using the Card for the most. For example, if you’re someone who wants to transfer balances from other cards, you might want to look for a card with a low or no-interest introductory rate.
If you’re someone who wants to earn rewards, you might want to look for a card that offers cash back or points. And if you’re someone who’s not interested in rewards programs but would like to build your credit, you might want to look for a card that has a low annual fee and offers other bonuses like perks or complimentary travel insurance.
Take the time to research what you’ll be using the Card for the most and find a card that best suits your lifestyle.
Best Credit Cards for Beginners with no or bad credit history
It is no secret that the best way to build credit is through responsible use of credit cards. A good credit score can make it possible to get a loan, rent an apartment, or even find a job. However, many people are wary of getting their first credit card because they don’t know which one will be right.
The introduction of the credit card has revolutionized the way we pay for things. The convenience of paying with plastic is unmatched, and there are so many different types of cards to choose from. But it’s not always easy to figure out which Card is best for you.
There are so many factors that decide what type of Card will work best for your needs. You have to find a card that offers benefits that meet your lifestyle, matches your level of responsibility, and also comes with an annual fee you’re willing to pay. Here are some tips on how you can find the best credit card for you in 2022.
What to Consider When Choosing a Beginners Credit Card?
The credit card companies want you to think that all credit cards are made equal. The truth is, not all credit cards are created equal, and you want to find a card that’s perfect for your lifestyle.
The first thing to consider when looking at a credit card is the annual fee.
Some cards have a steep annual fee, while others don’t have any fees at all. You’ll want to find a card with a yearly fee that matches your lifestyle. If you spend a lot of money on your credit card, it may be worth paying the higher annual fee for rewards.
The second consideration is the type of reward.
There are so many different types of rewards out there, so you want to find one that works best for you. What are you interested in? Cashback? Miles? Sometimes it may be worth it to forgo the rewards and pay the balance on your credit card each month to avoid interest charges.
Credit score
The third consideration is what your credit score is. If you have a lower credit score, avoid cards that require you to have excellent credit. You’ll need to find a card that offers some leniency if you’re starting with credit cards.
The fourth consideration is what APR the Card offers.
What do beginners look into a credit card?
Beginners or first times don’t know why they need a card. They apply for one as they have their friends and family members possessing credit cards. It is more of a status symbol. So this guide is beneficial for those who are applying for a credit card for the first time.
The best credit cards are not for beginners.
As a neophyte to credit, you apparently won’t be able to qualify for the perfect best credit cards — the ones with generous rewards and perks, big sign-up rewards, or long 0% interest periods. These products are open only to applicants with good or excellent credit scores (690+) and longer credit accounts that meet certain earnings requirements.
You may see the rates and fees before applying.
Credit card issuers are obligated by federal law to publicly disclose several terms, such as interest rates and fees before they apply. These are presented in a Schumer box, a table usually found on a credit card application page online.
A security deposit will help you to get a credit card easily.
Suppose you ought to trouble getting approved for your first credit card. You’re beginning with no credit at all. Go for a secured credit card. The secured credit cards are intended for people with damaged credit or no credit. To initiate your account, you will first need to put down a cash deposit. Your credit limit is typically equivalent to your deposit. Merest deposit requirements range from $200 to $500, depending on the type of card. Most secured cards permit you to deposit more to get a higher credit line.
Late payments come at a high cost.
Abstaining your due date can get pricey quickly. Depending on how late your payment is, you might face:
- Late fee charges. The legal limits on those fees are regulated annually. But frequently, the first time costs well over $20, and consequent violations may be close to $40.
- Penalty APRs. Almost all credit cards no longer impose penalty APRs, but some do. A penalty APR beats in when you pay late and can raise your interest rate to 30% or more right away for current transactions. And suppose the amount is more than 60 days late. The penalty APR applies to your remaining balance.
- Damage your credit: Paying a day late won’t harm your credit. But suppose you pay 30 or more days late. Your payment will also be marked as late on your credit reports, damaging your credit scores.
Smart beginners avoid Interest.
Despite how high your credit card APR is, you don’t ought to pay a dime of interest as long as you spend your credit card bill adequate every month. Thanks to the card’s grace period.
Your first credit card can create your credit or ruin it.
One of the main goals to get your first credit card is to heighten your credit. It would be best if you were careful of your way of spending and paying back. If you are not careful, it may have the opposite effect.
Each month, your bank will report your credit card activity to credit bureaus. These are the companies that compile the credit reports that form the basis of your credit scores. The reported message includes whether your payments have been on time and how much of your free credit you have used. Late payments are evil. Maxing out the card is bad.
The Best Credit Cards For Beginners in 2022
If you’re looking for the best credit cards for beginners in 2022, there are many choices. Many factors go into deciding what type of Card is best for you, but here are some tips on finding the right one.
The first thing you want to do is find the best Card that matches your lifestyle. If you’re someone who spends a lot of time traveling, you might want to consider a card with travel benefits like free checked bags or priority boarding.
If you like to dine out often, there are cards with rewards points for restaurants. Some cards offer cash back for gas and grocery stores.
You also want to consider the level of responsibility you have when choosing a credit card. If you’re someone who pays off their balance in full every month, then you’ll probably want to find the most rewarding Card with the least amount of fees. However, if you tend to carry a balance, you’ll want to find a card with lower interest rates and rewards points.
The last thing you’ll want to look at is the annual fee. You want to make sure that the benefits of the Card outweigh the yearly cost you’ll be paying for it.
1. Discover it® Secured Credit Card
The Discover it® Secured Credit Card stands above the competition in the secured credit world. We love this card despite an unlimited 1% cashback rate on all purchases, plus 2% cashback at gas pumps and eateries on up to $1,000 in mixed purchases each quarter, no penalty APR, and no annual fee for those who require to rebuild their credit. The parallel cashback reward after your first year is a sweet bonus. It comes with 0 annual fees.
When I look for the best credit card for a beginner in 2022, I also consider Cashback rewards earning. It has free FICO score access each month. And for this card, it is uncommon for a secured card.
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will balance all the cashback you have deserved at the end of your first year! There are no minimum spending or max rewards. It is just a dollar-for-dollar match.
2. Citi Double Cash Card
The new Citi Double Cash Card is the new cashback credit card that has just recently been released. Unlike most cashback credit cards, this one gives you 1% cashback when you make the purchase, then an additional 1% cashback once you pay it off!
This Card is somewhat unique because it is also one of the few cards that offer unlimited cashback. That means that no matter how much you spend, you will always get at least 1% back. This Card also carries no annual fees!
But if you are looking for a card with a large sign-on bonus, this one might not be for you. The Citi Double Cash card offers you nothing in the way of a sign-on bonus or cashback match periods.
So if you are looking for a card that offers great perks, this isn’t for you. However, if you are looking for a no-frills cash back card that will allow you to earn some money back on every purchase you make, then the Citi Double Cash Card might be for you.
Read: Best interest free credit cards 2022
3. American Express Gold Card
American Express Gold Card is one of the prestigious credit cards which anyone can use. It has many benefits for its users. It offers a reasonable credit limit, which is $10000. It has a zero annual fee for its users so that anyone can apply for it. It can also be used for a balance transfer of $2000.
It offers rewards of one point for every dollar you spend. It is very flexible in many ways. It is accepted globally, wherever there is American Express acceptance.
If you want to apply for an American Express Gold Card first, you need to determine which credit card you can get approved on first. Make sure you can pay on time and don’t miss the due date. Keep track of your credit score.
Read: Best reward credit cards 2022
4. United Club Infinite Card
The United Club Card Infinite is a great credit card for beginners. It also makes a sound first credit card, especially for those over the age of 18. Why? There are no introductory or annual fees.
There are no foreign transaction fees. The Card has a high credit limit of $10,000. The United Club Card Infinite also comes with a free checked bag on United flights.
With the United Club Card, you get free access to the United Club airport lounges. These United Club lounges are located in airports around the world. Access to these United Club lounges can be very beneficial at many airports. Honestly, everything depends on the location of the lounge.
United Club is a United Airlines frequent flyer club. It is free to join. The sky’s the limit for your reward. Use your miles to redeem for flights to over 120 countries, over 500 destinations in the U.S., or popular vacation destinations around the globe.
5. Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a travel reward credit card. It has a $95 annual fee that is waived the first year. It has a massive list of perks that can save you a ton of money on airfare, hotels, rental cars, and more.
These perks include things like:
- Free trip cancellation insurance
- Free trip delay reimbursement
- A travel credit that can be applied to either your flight or a hotel Chip-enabled Card for use in Europe and other chip card countries
If you’re a beginner, Chase Sapphire Preferred Card is the way to go. For beginners, the main point of having credit cards is to build up your credit history.
The Chase Sapphire Preferred Card’s signup bonus is a massive 50,000 points. When redeemed for travel, fifty thousand points = $625, so this is a pretty lucrative signup bonus. If you make a purchase with your Card within the first three months, you’ll get an additional 5,000 points.
Titanium Rewards Visa Signature Card from Andrews Federal Credit Union
6. Petal 2 “Cash Back, No Fees” Visa Credit Card
Petal 2 indeed has a low APR of 12.99% on purchases and balance transfers. In addition, there are no annual fees thanks to its fixed rate of 0% for the first 15 months of having the Card. The Petal 2 credit card is a Visa-branded card, but it is a debit card rather than a credit card. You cannot use it to get a cash advance.
For the rewards, you will get a 1% cashback on every single purchase you make. Not a very lucrative point for a beginner, but since it has no annual fee, you might as well give it a try.
However, a grace period of 25 days on the Petal 2 card means you don’t have to pay it on time if you can pay it within 25 days from when your purchase date appears on your statement.
7. Chase Sapphire Reserve
The Chase Sapphire Reserve card is one of the best rewards cards. This Card has several excellent benefits, which make it a perfect card for beginners.
This Card can be used to replace your other credit cards. It offers you rewards like cashback, travel insurance, and many other benefits. If you are looking for a rewards card to replace others, the Chase Sapphire Reserve card is the best choice for you.
The Chase Sapphire credit card is a credit card. I highly recommend it to anyone. There are several reasons why I recommend this credit card. The rewards offered by this credit card are generous.
For example, you get triple points on all travel and dining purchases. If you spend a thousand dollars a month on travel and dining, you will get a thousand dollars a year in travel rewards.
Read: Best Credit cards for balance transfer in 2022
8. Blue Cash Preferred Card from American Express
Blue Cash Preferred is best for the people who spend the most on gas, groceries, and department. It is usually recommended for people with excellent credit history, who spend around $1000-$3500 per month on these three expenses.
You will earn 6% cashback on all gas you buy in the first three months of card membership. You can earn up to $250 cashback on categories that you spend most on every year.
The Card offers an introductory APR of 0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 15.24% – 25.24% Variable APR. The Card also offers a $0 annual fee.
If you are one of those people who are consistently spending these amounts on gas, groceries, and department, then this is the best Card for you.
Read: Best Credit Cards with No Annual Fees in 2022
9. Capital One Venture Rewards Credit Card
If you are looking for a card with a generous rewards program, the Capital One Venture Rewards Credit Card is the one you are looking for. This Card offers an upfront bonus of 50,000 miles, worth $500 in travel, when you spend $3,000 in the first three months.
This is one of the highest cash rewards bonuses available. Moreover, the miles earned on this Card are worth 1.25 cents each, which is greater than many similar cards. This is one of the most significant factors in making this Card one of the best travel credit cards. You will earn 1.25 miles for every dollar you spend.
Therefore, if you spend $3,000 in the first three months, you will earn 50,000 miles worth $500 in travel. You can redeem your travel rewards in various ways, including cash back, gift cards, merchandise, travel services, and more.
The best part is that it does not matter what you redeem your rewards for; there is no expiration date. This means that you will be able to save your tips for the perfect time to use them.
Read: Best cashback credit cards 2022
10. Bank of America Travel Rewards credit card for Students
The Bank of America Credit Card for Students is a credit card specializing in students and those individuals who are still new to credit cards.
This Card has an elementary rewards program, and students usually find it easy to use. Cardholders can choose between two options: either receive cashback or points for their purchases.
Those who choose cash rewards will receive 2% cashback on purchases. If cardholders choose rewards points, they will receive 1 point for every $2 spent.
However, those who choose to accumulate points must use their Card to make a purchase each month and pay their balance in full by the due date to ensure that they receive points.
The points that cardholders accumulate can be redeemed for rewards such as cashback, travel, and gift cards. Cardholders can redeem rewards points for cash by visiting an ATM and getting money back equal to the number of issues they have.
Read: Best Credit Cards for online shopping
Conclusion
When trying to find the best credit card for you, it’s essential to consider what you’ll be using the Card for the most. For example, if you’re someone who wants to transfer balances from other cards, you might want to look for a card with a low or no-interest introductory rate.
If you’re someone who wants to earn rewards, you might want to look for a card that offers cash back or points. And if you’re someone who’s not interested in rewards programs but would like to build your credit, you might want to look for a card that has a low annual fee and offers other bonuses like perks or complimentary travel insurance.
Take the time to research what you’ll be using the Card for the most and find a card that best suits your lifestyle.
