Five Top Starter Credit Cards To Help You Build Credit History

In Education

If you want to build your credit history, you should consider a starter credit card. Starter credit cards are ideal for most people that have never used credit cards, and they are an ideal way of earning cashback rewards. Here are five credit cards to consider.

  1. Capital One Platinum Credit Card 

This is the top choice starter credit card which is easily obtainable. All you need to do is fill in the information on employment status, monthly rent/mortgage, and annual income. The card doesn’t have any hidden/annual fees, and you will be in consideration for a higher credit line in six months. 

  1. Discover it® Student Cash Back

With this card, you don’t need a credit score to apply, and there is no annual fee attached to the card. For every purchase at restaurants,, grocery stores, and using PayPal, you get 5% cash back and 1% unlimited cash back on other purchases. In addition, there is a 0% APR on purchases in the first six months and a 15.99%-24.99% purchase APR after.

  1. Capital One QuicksilverOne Cash Rewards Credit Card 

With this card, you can earn 1.5% cash back daily on every purchase. There are no limits to how much cash back you can earn, and your cashback will not expire. The card helps you enhance your credit score with responsible use of the card. There is 5% cash back on rental cars and hotels booked through Capital One Travel. 

  1. Capital One SavorOne Cash Rewards Credit Card 

With the card, you earn 3% cash back on entertainment, dining, grocery stores, and streaming services and 1% on other purchases. For example, when you spend $100 in the first three months, you will earn $100. There are no hidden, annual, or foreign transaction fees. You could earn up to $500 annually for referring friends.

  1. Capital One Platinum Secured Credit Card 

With this card, you don’t have to worry about hidden or annual fees. Instead, you can put down a $49 refundable security deposit to get an initial credit line of $200. Then, when you use the card responsibly, you earn back the security deposit.

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