We all need a credit card, but if you have a question about which credit card is right for you, then this post is for you. If you read this post completely, you will know the best credit cards for beginners in the USA.
There are different types of credit cards today and each credit card has a different Ramadan condition. This post is an attempt to explain to you in very simple language. Keep reading this post with your mind.
What do you want to know 10 best credit cards for beginners in the USA?
Best credit cards for 2021 that will help you build credit save money on interest and earn more dollars in five years. with so many credit cards available to consumers it can be difficult to choose the right card.
There is no such thing as a one-size-fits-all credit card instead there are choices for different types of individuals whether you are a foodie a road warrior a tourist or someone looking to establish credit a little research will help you find a card that is suited to your specific needs or lifestyle.
These cards can be a great way to save money especially since the average American spending budget is around 22,126 a year in order to get the most benefit from your card you will ensure that you exercise good credit behavior.
Such as paying off your balance in full on time per month and avoiding overspending and falling into debt I’ve chosen the best credit cards from 2021 to help you create credit save your interest rates and cashback two thousand dollars over a five year period.
If you are looking best cashback credit card then chase freedom unlimited card for you. who is this for the chase freedom an unlimited card is a good option for people who want a good rewards card with no annual charge.
Cardholders receive 5 cashback on travel purchased through chase ultimate rewards 3 on drugstore and dining transactions including takeout and 1.5 on all other purchases there is also a generous welcome discount with a minimum spending requirement.
If you want to increase your rewards earn 200 cashback after spending 500 on purchases in the first three months after opening your account this card has no annual fee and you will get a zero percent apr on spending for the first 15 months.
This card also offers 5 cashback on lift purchases until march 2022, as well as three months of dash pass for complementary supported by 50 off for the next nine months, simply activate by December 31, 2021.
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2. American Express Gold Card
If you are looking best rewards and travel card then an American express gold card for you. if you enjoy eating out and traveling the American express gold card might be the perfect rewards card for you.
If you eat out or cook at home this card earns 4 x points per dollar spent at restaurants worldwide and 4 x points at u.s supermarkets additionally travelers can earn 3 x points on flights booked directly with airlines or through amextravel.com.
The value of membership rewards points varies based on how they are redeemed by cardholders you can use them in a variety of ways including paying with points at sites like amazon redeeming for gift cards or a statement credit.
As well as booking travel this card does have a 250 annual charge but it can be lowered to 130 dollars if you use the 120 dining credits per year then the rewards you collect help to pay for the card much more.
3. City Double Cash Card
If you are looking best no annual fee credit card then a city double cash card for you. the city double cash card is a simple rewards card that has offered one of the best flat-rate cashback plans since its launch in 2014.
Cardholders get two percent cash back on all transactions one percent when you make a purchase and another one percent when you pay your credit card bill. there is no cap on the amount of cashback you will receive and you are not required to activate bonus categories.
Cashback may be redeemed in the form of a statement credit or direct deposit this card is also an excellent choice for debt relief balance transfers that have a zero percent apr over the first 18 months.
Only make sure you transfer your balances within four months of opening your account there is a three percent balance transfer charge minimum of five dollars which can be compensated by the interest savings.
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4. Discover It Miles Card
If you are looking best for no annual fee travel credit card then discover it miles card for you, who is this for the discover it miles card offers a generous rewards package with no annual fee making it a standout among travel cards.
The discover it miles card gives users unlimited 1.5 x miles for all transactions however for higher spenders discover provides an unbeatable welcome bonus a mile for mile match of all miles received in the first year.
If you travel 35,000 miles in the first 12 months discover will fit your mileage that’s a total of 70,000 miles or 700 in travel funds when using this card to pay for travel purchases.
There are no blackout days furthermore you can conveniently redeem miles as a statement credit for flights restaurant or gas station transactions or as a deposit into your bank account the greatest part is that your miles will never expire even though your account is closed.
5. Citi Simplicity Card
If you are looking best balance transfer credit card then the Citi simplicity card has no late fees ever for you, the city simplicity card has one of the longest introductory balance transfer terms at 0 for the first 18 months.
This is almost 2 years to pay off debt which may be beneficial if you have a large balance or if your cash flow does not allow you to pay off debt during the 6 12 or 15 month time periods offered by other balance transfer cards.
This card has no annual fee but it has one of the highest balance transfer fees five percent minimum of five dollars however if you are paying high-interest rates this can be worthwhile new cardholders have four months to complete their balance transfer.
Although you have more time to complete a transfer the intro apr period begins when the account is opened so make the transfer as soon as possible to take advantage of the interest-free period this card also does not charge late fees there is no signup incentive or rewards program however I always recommend that you pay your balance in full and on time.
6. Titanium Rewards Visa Signature Card
If you are looking best low-interest credit card then titanium rewards visa signature card from Andrew’s federal credit union for you, Andrews federal credit union’s titanium rewards visa signature card takes the top spot on my list.
Due to its low-interest rates attractive rewards program and no international transaction fees, all at no annual fee this card has a variable apr ranging from 8.49 to 15.49 if you hold a balance you will benefit from lower interest rates.
As compared to other cards which have higher interest rates balance transfers are subject to a 1.50 charge per transfer with a 50 minimum in addition to low-interest rates.
The visa titanium signature rewards card has a generous rewards program that earns 3 x points on gas and food purchases and 1.5 x points on all other purchases, in addition, there is a welcome bonus of 10,000 points after spending 1,500 in the first 90 days.
If you are looking best-secured credit card then discover its secured credit card for you, discover its secured credit card is a well-rounded secured card that provides many advantages that are commonly seen with unsecured cards.
Cardholders can gain cashback obtain a generous welcome bonus use the card internationally without incurring additional fees and do a variety of other things with no annual fee receive reasonable two percent cash back at gas stations and restaurants.
On up to one thousand dollars in combined transactions each quarter followed by a one percent cashback, in addition, you can earn an unlimited 1 cashback on all your orders automatically the welcome bonus is also unique discover will automatically match all cash back you’ve won at the end of your first year.
But for new cardmembers only so if you win fifty dollars in cash back at the end of the first year discover it will add another fifty dollars to your account the minimum security deposit for this card is two hundred dollars which is fairly common for secured credit cards.
It stands out from the crowd because it provides consumers with a convenient path to upgrading to an unsecured card discovery can automatically check your credit card account every eight months to see if they can transition you to an unsecured line of credit and repay your deposit this takes the guesswork out of identifying when you will be approved for an unsecured credit card.
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8. Visa Credit Card
If you are looking best for building credit and average credit then petal 2 cashback no fees visa credit card for you, the web bank member FDIC petal 2 cashback no fees visa credit card is a one of a kind card that takes a different approach to the credit card application process, instead of relying solely on your credit history to decide your creditworthiness.
Petal can ask that you connect bank accounts during the application process then web bank identifies your bank statements and other data such as bill payments and earnings using petals technology to determine your eligibility this is especially beneficial for applicants.
Who may not have any credit history however if you do have a credit history that does factor into the credit decision the petal 2 visa credit card is one of the few cards that have no fees no annual fee no late fee and no international transaction fee.
It also stands out for credit building consumers because there is no security deposit required it also has a rewards program that starts with one percent cashback on qualifying transactions and can raise to 1.5 cashback after 12 on-time monthly payments this is not only a cool perk but also an excellent way to promote positive behavior cardholders will also collect 2 to 10 cashback at various stores.
9. Chase Sapphire Reserve Card
If you are looking best dining rewards credit card then chase sapphire reserve card for you, the chase sapphire reserve is targeted at foodies and frequent travelers searching for luxurious amenities including free airport lounge access and complimentary hotel room upgrades.
Cardholders received 3x points on dining and travel around the world as per selected calculations the average American using this card will collect an estimated 165 in rewards a year just for dining purchases.
The value of chase rewards points varies according to how they are used when redeeming points for cash or gift cards each point is worth one cent so 100 points equal one dollar in redemption value this card has a one-of-a-kind advantage in that all.
Points are worth 50 more when redeemed for travel through chase ultimate rewards for example 50 000 points are worth 750 dollars when redeemed via chase ultimate rewards for airfare hotels car rentals and cruises.
This bonus is an excellent way to maximize the value of your rewards although this card has a comprehensive rewards program it also has a high annual fee of 550 all of the additional credits and rewards offered by chase on the card will help cover the annual fee.
The annual fee is essentially reduced to 150 thanks to the 300 annual travel credit cardholders will benefit from a priority pass select membership worth approximately 429 every four years they also receive a one hundred dollars application fee credit for global entry or TSA pre-check.
If you are looking best entertainment rewards credit card then capital one saver cash rewards credit card for you sports enthusiasts movie fans and thrill-seekers will all value the capital one saver cash rewards credit card for the same reason.
Unlimited four percent cash back on entertainment purchases when compared to other rewards cards this one offers the highest unlimited rewards rate on entertainment spending whether you’re purchasing movie tickets going to the zoo with the family or spending the evening bowling with friends cardholders who purchase tickets through vivid seats, a ticket resale platform will earn 8 cashback until January 2022.
Cardholders will have access to unique entertainment activities like the I heart radio music festival and the capital one jam fest aside from entertainment benefits there is also four percent cashback on dining two percent cashback at grocery stores and one percent cashback on all other transactions.
You can also take advantage of foodie perks such as exclusive access to premium reservations via OpenTable this card does have an annual fee of 95 however it is forgiven for the first year from account opening and can be covered by the cashback you earn thanks for watching please subscribe and press the bell icon to get a notification business snap finance and investing updates.
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