{"id":1484,"date":"2024-07-24T15:51:21","date_gmt":"2024-07-24T10:21:21","guid":{"rendered":"https:\/\/hindihealthcare.com\/?p=1484"},"modified":"2024-07-24T15:54:28","modified_gmt":"2024-07-24T10:24:28","slug":"best-credit-cards-for-beginners-in-usa-2024-maximize-your-benefits","status":"publish","type":"post","link":"https:\/\/hindihealthcare.com\/best-credit-cards-for-beginners-in-usa-2024-maximize-your-benefits\/","title":{"rendered":"Best Credit Cards for Beginners in USA 2024: Maximize Your Benefits"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">The Best First Credit Cards for Beginners<\/h2>\n\n\n\n<p>Starting your credit journey with the right credit card can set you up for future financial success. In 2024, several credit cards stand out for beginners, offering a mix of low fees, manageable interest rates, and useful rewards. Here are some of the top options to consider:<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">BEST FOR REWARDS ON AN UNSECURED CARD<\/h5>\n\n\n\n<h3 class=\"wp-block-heading\">Chase Freedom Rise<\/h3>\n\n\n\n<p><strong>Welcome Bonus<\/strong><\/p>\n\n\n\n<p>$25 statement credit<\/p>\n\n\n\n<p><strong>Annual Fee<\/strong><\/p>\n\n\n\n<p>$0<\/p>\n\n\n\n<p><strong>Regular APR<\/strong><\/p>\n\n\n\n<p>26.99% Variable<\/p>\n\n\n\n<p><strong>Credit Score\u00a0<\/strong><\/p>\n\n\n\n<p>New To Credit \/ Limited Credit<\/p>\n\n\n\n<p><strong>Our Expert Take<\/strong><\/p>\n\n\n\n<p>The\u00a0<strong>Chase Freedom Rise<\/strong>\u00a0is specially designed for first-time cardholders and comes with fair rewards in this category.<\/p>\n\n\n\n<p><strong>Why We Like It<\/strong><\/p>\n\n\n\n<p>Credit line increases are considered automatically, which could improve your spending power as you use the card responsibly.<\/p>\n\n\n\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n\n\n\n<p>Some customers may feel compelled to bank with Chase, since having a Chase checking account could improve your chances of card approval.<\/p>\n\n\n\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n\n\n\n<p>Current Chase checking customers and credit card beginners who want to earn rewards on all card spending.<\/p>\n\n\n\n<p><strong>Pros <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unlimited 1.5% cash back on every purchase<\/li>\n\n\n\n<li>$0 annual fee<\/li>\n\n\n\n<li>Trip cancellation\/interruption coverage<\/li>\n\n\n\n<li>5% back on Lyft rides through March 31, 2025<\/li>\n\n\n\n<li>Low-cost financing on purchases over $100 with Chase Pay Over Time<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No bonus categories (except for Lyft)<\/li>\n\n\n\n<li>High APR<\/li>\n\n\n\n<li>Foreign transaction fee of 3%\u00a0of the amount of each transaction in U.S. dollars.<\/li>\n\n\n\n<li>May not be eligible for balance transfers<\/li>\n\n\n\n<li>Increased odds of approval for depositing money in a Chase checking account, which requires an extra step that may or may not help you get the card<\/li>\n<\/ul>\n\n\n\n<p><strong>Card Details<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increase your approval chances \u2013 Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise\u00ae<\/li>\n\n\n\n<li>Earn Cash Back \u2013 With Chase Freedom Rise\u00ae, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.<\/li>\n\n\n\n<li>Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.<\/li>\n\n\n\n<li>Credit Limit Increase \u2013 As a Freedom Rise cardmember, you\u2019ll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise\u00ae Card<\/li>\n\n\n\n<li>Free Credit Score \u2013 Track your credit score and learn how to build it with Chase Credit Journey.<\/li>\n\n\n\n<li>No Annual Fee \u2013 You won\u2019t have to pay an annual fee for all the great features that come with your Freedom Rise\u00ae card.<\/li>\n\n\n\n<li>Member FDIC<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">BEST FIRST CARD FOR TRAVELERS<\/h5>\n\n\n\n<h3 class=\"wp-block-heading\">Capital One QuicksilverOne Cash Rewards Credit Card<\/h3>\n\n\n\n<p><strong>Welcome Bonus<\/strong><\/p>\n\n\n\n<p>N\/A<\/p>\n\n\n\n<p><strong>Annual Fee<\/strong><\/p>\n\n\n\n<p>$39<\/p>\n\n\n\n<p><strong>Regular APR<\/strong><\/p>\n\n\n\n<p>29.99% (Variable)<\/p>\n\n\n\n<p><strong>Credit Score\u00a0<\/strong><\/p>\n\n\n\n<p>Average, Fair, Limited<\/p>\n\n\n\n<p><strong>Our Expert Take<\/strong><\/p>\n\n\n\n<p>The\u00a0<strong>Capital One QuicksilverOne Cash Rewards Credit Card<\/strong>\u00a0fills a niche for credit beginners looking for a card they can use abroad without foreign transaction fees.<\/p>\n\n\n\n<p><strong>Why We Like It<\/strong><\/p>\n\n\n\n<p>Flat-rate cash-back rewards can make understanding your first credit card\u2019s benefits easy.<\/p>\n\n\n\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n\n\n\n<p>This card is pretty light on perks considering it charges an annual fee.<\/p>\n\n\n\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n\n\n\n<p>Travelers with fair credit who want to earn bonus cash back and avoid added fees on international purchases.<\/p>\n\n\n\n<p><strong>Pros <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unlimited 1.5% cash-back rewards<\/li>\n\n\n\n<li>Fair-to-average credit applicants considered<\/li>\n\n\n\n<li>No foreign transaction fee<\/li>\n\n\n\n<li>Rewards don\u2019t expire<\/li>\n<\/ul>\n\n\n\n<p><strong> Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High APR<\/li>\n\n\n\n<li>No boosted rate in common spending categories<\/li>\n\n\n\n<li>No welcome offer<\/li>\n\n\n\n<li>No intro APR offer<\/li>\n<\/ul>\n\n\n\n<p><strong>Card Details<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn unlimited 1.5% cash back on every purchase, every day<\/li>\n\n\n\n<li>No rotating categories or limits to how much you can earn, and cash back doesn\u2019t expire for the life of the account. It\u2019s that simple<\/li>\n\n\n\n<li>Be automatically considered for a higher credit line in as little as 6 months<\/li>\n\n\n\n<li>Enjoy peace of mind with $0 Fraud Liability so that you won\u2019t be responsible for unauthorized charges<\/li>\n\n\n\n<li>Help strengthen your credit for the future with responsible card use<\/li>\n\n\n\n<li>Enjoy up to 6 months of complimentary Uber One membership statement credits through 11\/14\/2024<\/li>\n\n\n\n<li>Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you\u2019ll get Capital One\u2019s best prices on thousands of trip options. Terms apply<\/li>\n\n\n\n<li>Monitor your credit score with CreditWise from Capital One. It\u2019s free for everyone<\/li>\n\n\n\n<li>Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you\u2019re all set<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">The Best First Credit Cards For Fair Credit<\/h5>\n\n\n\n<h3 class=\"wp-block-heading\">BEST FOR FLEXIBLE CASH BACK<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Citi Custom Cash\u00ae Card<\/h3>\n\n\n\n<p><strong>Welcome Bonus<\/strong><\/p>\n\n\n\n<p>$200<\/p>\n\n\n\n<p><strong>Annual Fee<\/strong><\/p>\n\n\n\n<p>$0<\/p>\n\n\n\n<p><strong>Regular APR<\/strong><\/p>\n\n\n\n<p>19.24% &#8211; 29.24% (Variable)<\/p>\n\n\n\n<p><strong>Credit Score\u00a0<\/strong><\/p>\n\n\n\n<p>Excellent, Good, Fair<\/p>\n\n\n\n<p><strong>Our Expert Take<\/strong><\/p>\n\n\n\n<p>The\u00a0<strong>Citi Custom Cash\u00ae Card<\/strong>\u00a0doesn\u2019t market itself as a first credit card. Instead, it\u2019s a solid card for anyone\u2014including those rebuilding from fair credit.<\/p>\n\n\n\n<p><strong>Why We Like It<\/strong><\/p>\n\n\n\n<p>Just about everyone will appreciate earning up to 5% cash back on top of an introductory APR and welcome offer\u2026with no annual fee.<\/p>\n\n\n\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n\n\n\n<p>The earning rates aren\u2019t nearly as impressive when you factor in a spending cap of $500 per month in your chosen bonus category.<\/p>\n\n\n\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n\n\n\n<p>Individuals with at least fair credit who want rewards that adapt each month to fit their spending habits.<\/p>\n\n\n\n<p><strong>Credit Cards and Travel Rewards Expert<\/strong><\/p>\n\n\n\n<p>If you\u2019ve always wanted a credit card that adapts to your lifestyle instead of you having to adapt to it, you\u2019ve found what you\u2019re looking for with the Citi Custom Cash. You\u2019ll never have to worry again about making sure you\u2019re earning bonus points at the places you shop the most, because this card will automatically do it for you \u2014 even if those places change every month.<\/p>\n\n\n\n<p><strong>Pros <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No registration required to earn bonus rewards<\/li>\n\n\n\n<li>Cash-back categories are unique categories that other cards may not offer bonus rewards for<\/li>\n\n\n\n<li>Introductory APR on purchases and balance transfers<\/li>\n\n\n\n<li>No annual fee<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High balance transfer fee<\/li>\n\n\n\n<li>High foreign transaction fee<\/li>\n\n\n\n<li>Some everyday rewards categories are neglected<\/li>\n<\/ul>\n\n\n\n<p><strong>Card Details<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 (<strong>Thank You Points<\/strong>), which can be redeemed for $200 cash back.<\/li>\n\n\n\n<li>0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% \u2013 29.24%, based on your creditworthiness.<\/li>\n\n\n\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel\u2120 portal through 6\/30\/2025.<\/li>\n\n\n\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\n\n\n\n<li>No Annual Fee<\/li>\n\n\n\n<li>Citi will only issue one Citi Custom Cash\u00ae Card account per person.\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">BEST FLAT-RATE CASH-BACK CARD<\/h5>\n\n\n\n<h3 class=\"wp-block-heading\">Citi Double Cash\u00ae Card<\/h3>\n\n\n\n<p><strong>Welcome Bonus<\/strong><\/p>\n\n\n\n<p>Earn $200 cash back<\/p>\n\n\n\n<p><strong>Annual Fee<\/strong><\/p>\n\n\n\n<p>$0<\/p>\n\n\n\n<p><strong>Regular APR<\/strong><\/p>\n\n\n\n<p>19.24% &#8211; 29.24% (Variable)<\/p>\n\n\n\n<p><strong>Credit Score\u00a0<\/strong><\/p>\n\n\n\n<p>Excellent, Good, Fair<\/p>\n\n\n\n<p><strong>Our Expert Take<\/strong><\/p>\n\n\n\n<p>I think everyone should have a 2% cash-back card in their wallet, and the\u00a0<strong>Citi Double Cash\u00ae Card<\/strong>\u00a0is one available to those with fair credit scores (1% when you buy and 1% when purchases are paid off).<\/p>\n\n\n\n<p><strong>Why We Like It<\/strong><\/p>\n\n\n\n<p>The cash rewards are awesome on their own, but you\u2019ll also have access to a few travel transfers for additional redemption options (and even more if you hold a premium Thank You points-earning card).<\/p>\n\n\n\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n\n\n\n<p>The introductory APR offer only extends to balance transfers, not new purchases.<\/p>\n\n\n\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n\n\n\n<p>Cash-back lovers who want simple rewards that don\u2019t require extra work to track.<\/p>\n\n\n\n<p><strong>Credit Cards and Travel Rewards Expert<\/strong><\/p>\n\n\n\n<p>Not everyone wants to chase bonus categories or shuffle cards in their wallet, which makes the Citi Double Cash the perfect \u201cset it and forget it\u201d credit card. It\u2019s one of the only cards around that not only earns 2% cash back on all purchases &#8211; 1% when purchases are made and another 1% when they\u2019re paid off but also offers a path to using that cash back in the form of more valuable travel points down the road when you\u2019re ready to take the next step.<\/p>\n\n\n\n<p><strong>Pros <\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn up to 2% cash back\u20141% when the purchase is made and 1% when payment is made on the account<\/li>\n\n\n\n<li>No cash-back cap\u2014no limit on the amount of cash back that can be earned<\/li>\n\n\n\n<li>No annual fee<\/li>\n\n\n\n<li>Introductory APR period for balance transfers<\/li>\n<\/ul>\n\n\n\n<p><strong> Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign transaction fee<\/li>\n\n\n\n<li>Balance transfer fee<\/li>\n\n\n\n<li>Lack of benefits seen in other no annual fee cards<\/li>\n\n\n\n<li>No introductory 0% APR on purchases<\/li>\n<\/ul>\n\n\n\n<p><strong>Card Details<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back.<\/li>\n\n\n\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel\u2120 portal through 12\/31\/24.<\/li>\n\n\n\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% \u2013 29.24%, based on your creditworthiness.<\/li>\n\n\n\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\n\n\n\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\n\n\n\n<li>There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Final Thoughts<\/h4>\n\n\n\n<p>Picking the best Mastercard incorporates getting a handle on your financial situation, evaluating your approaches to overseeing cash, and taking apart the card&#8217;s benefits and costs. By considering your FICO rating, necessities, offers, capability, charges, and APR, you can get the Visa that best lines with your prerequisites and financial goals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Best First Credit Cards for Beginners Starting your credit journey with the right credit card can set you up for future financial success. In 2024, several credit cards stand out for beginners, offering a mix of low fees, manageable interest rates, and useful rewards. Here are some of the top options to consider: BEST &#8230; <a title=\"Best Credit Cards for Beginners in USA 2024: Maximize Your Benefits\" class=\"read-more\" href=\"https:\/\/hindihealthcare.com\/best-credit-cards-for-beginners-in-usa-2024-maximize-your-benefits\/\" aria-label=\"Read more about Best Credit Cards for Beginners in USA 2024: Maximize Your Benefits\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1485,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[221],"tags":[351,237,349,261,239,345,274,350,347,353,352,348,346],"class_list":["post-1484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card","tag-beginnercredit","tag-bestcreditcards","tag-buildcredit","tag-creditcardguide","tag-creditcardrewards","tag-creditcardsforbeginners","tag-creditscore","tag-financialtip","tag-maximizebenefits","tag-personalfinance2024","tag-smartspending","tag-startercreditcards","tag-usa2024"],"_links":{"self":[{"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/posts\/1484","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/comments?post=1484"}],"version-history":[{"count":2,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/posts\/1484\/revisions"}],"predecessor-version":[{"id":1487,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/posts\/1484\/revisions\/1487"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/media\/1485"}],"wp:attachment":[{"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/media?parent=1484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/categories?post=1484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hindihealthcare.com\/wp-json\/wp\/v2\/tags?post=1484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}