If you're just getting started with credit, a beginner credit card can be a great choice. These cards can help you build your credit history and allow you to qualify later for better terms. Many cards offer rewards for making good use of them. In this article we will examine the best beginner creditcards. You may also be interested in our guide to first access visa credit cards. Listed below are some of the most popular beginner credit cards.
Capital One Venture Credit Card
If you're considering a Capital One Venture Rewards credit card, you should know that there are strict criteria to meet. However, bankruptcy does not automatically make you ineligible for the card. But if you've missed one or more payments on your loans, you'll have to wait for the default to be removed from your credit report. You may need to wait until you have a good credit score in the middle 700s to apply.
Citi Premier
If you are a beginner and looking for a credit card that can reward your spending and provide travel rewards, the Citi Premier(r) Card may be the one for you. 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. For every dollar you spend on the card, you can earn up 80,000 ThankYou points. This is approximately worth $800 in gift vouchers.
Oakstone Platinum Secured MasterCard
The secure card offers many benefits to beginning consumers. It has low APRs and a large credit limit. You can also report your payment history on the major credit bureaus. It is free of penalty rates and does not require an annual fee. However, the one major drawback is that there is no signup bonus or rewards program. In addition, it requires a security deposit of $200, which is not much compared to other secured cards. The card will also charge a 3 percent foreign transaction fee.
First Access Visa Credit Card
If you're a beginner to credit cards, you may be wondering if the First Access Visa Credit Card is right for you. The credit card is a great choice for people with bad credit because it can help you raise your credit score. The three main credit agencies will report your monthly usage. The card's APR is very high, and it might not suit everyone. MoneyGeek provides a consistent methodology to help you get a score for your credit.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is the best option for anyone new to the points and miles hobby. The Chase Sapphire Preferred Card has all the features a professional cardholder needs, but at an affordable price. This card offers everything you need to earn miles and points, from cash back to rewards. It's also a brand-new card that offers many opportunities to maximize your points. You'll be astonished at how fast your rewards add up.