Best Credit Cards for Beginners in 2025

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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards"},"editor":{"@type":"Person","name":"Katherine Fan"},"author":[{"@type":"Person","name":"Holly Johnson","sameAs":"https://www.businessinsider.com/author/holly-johnson"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Credit Cards for Beginners in 2025","alternativeHeadline":"Best Credit Cards for Beginners in February 2025","image":{"@type":"ImageObject","url":"https://i.insider.com/5e306b5924306a5cf46f95b7?width=1200&format=jpeg","width":1200,"height":900},"name":"Best Credit Cards for Beginners in February 2025","datePublished":"2025-01-31T03:26:02Z","dateModified":"2025-02-11T22:30:50Z","description":"The best credit cards for beginners are designed for people with limited credit history. Our guide compares benefits, features, and fees for you.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Rise℠. The details for these products have not been reviewed or provided by the issuer.It's time to get your first credit card. But you can't just apply for any card out there: You'll typically need a history of responsible credit to qualify for one. Here are some of the best starter credit cards to consider if you're a credit beginner, including several that earn travel and cash-back rewards.Several of our recommended cards are issued by Discover, which is well-known to be friendly to students and other adults who are just getting started with credit. (If you're still in school, check out our guide to the best student credit cards to learn more about cards that are designed just for you.)Others come from Chase and Capital One, which offer many other credit products that can further enhance your financial life down the road. Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal.$0N/A19.24% - 29.24% VariableEarn a $50 cash bonusAverage, Fair, LimitedThe Capital One Savor Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25 miles on every purchase.$00% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)19.24% - 29.24% VariableEarn 20,000 milesGood to ExcellentThe VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.$00% intro APR for six months on purchases17.24% - 26.24% Variable APREarn Unlimited Cashback Match®Fair/New to CreditThe Discover it® Student Cash Back is a great choice if you're a student with limited credit history and want to earn a strong rate of cash back on your everyday spending without paying an annual fee.Introductory APR: N/A (then 29.74% variable APR)Annual Fee: $39Rewards: Earn unlimited 1.5% cash back on all purchases.According to Capital One, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with \"average\" credit, which makes the card attainable for people with limited credit, or anyone who has made credit mistakes in the past.With this card, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel and a flat 1.5% cash back for each dollar you spend on other purchases. That's not bad for a rewards credit card, and it's especially good for cards available to consumers with average credit.Capital One also promises to reconsider your credit limit and potentially boost it after you've made six on-time payments on your credit card. This card also comes with no foreign transaction fees and several benefits, which is a lot more than many credit cards for fair credit offer.Read more in our Capital One QuicksilverOne card review.Introductory APR: 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time) (then 19.24% - 29.24% Variable APR)Annual Fee: $0Rewards: 5 miles per dollar on hotels and rental cars booked through Capital One Travel and unlimited 1.25 miles on every purchaseThe Capital One VentureOne Rewards Credit Card is typically only available to consumers with good credit or better, but it's important to note that a good FICO score typically starts in the 670+ range. If you can qualify, this card can serve as a starter travel credit card that can help you get accustomed to earning this type of rewards.Once you're approved, you'll earn a flat 1.25 miles for each dollar you spend. You can also earn 20,000 miles after spending $500 on purchases within three months from account opening.On the redemption side of the equation, you can redeem Capital One miles for any type of travel at a rate of 1 cent apiece, or for Capital One transfer partners for airfare and hotel stays. This card also comes with no annual fee and no foreign transaction fees.Read more in our Capital One VentureOne Rewards card review.Introductory APR: N/A (then 19.24% - 29.24% Variable APR)Annual Fee: $0Rewards: 8% cash back on entertainment purchased through the Capital One Entertainment portal, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchasesIf you're a college student who likes to go out, the Capital One Savor Student Cash Rewards Credit Card is hard to beat. Cardholders earn 3% cash back on dining, groceries, entertainment, and eligible streaming services with no limits, and 1% cash back on all other purchases.This card is extra appealing because it offers a welcome bonus offer of $50 cash bonus once you spend $100 on purchases within three months of account opening. It's possible to qualify with limited credit, so if you're new to credit cards it's a solid choice.You'll also receive surprisingly good benefits for a no-annual-fee student card, including price protection, extended warranty, car rental coverage, roadside dispatch, travel accident insurance, and complimentary concierge services.Most Capital One rewards cardholders, including those with the Capital One Savor Student Cash Rewards Credit Card, can book flights, hotels, and rental cars with rewards, or pay with their card and earn 5 points per dollar on hotels and car rentals booked through the Capital One travel portal.Read more in our Capital One Savor Student Cash Rewards credit card review.Introductory APR: N/A (then 0% APR)Annual Fee: $0Rewards: Earns up to 15% cash back with some retailers. Earn up to 4.25% APY on the money you use to secure the card.International students often struggle to get credit cards because they lack credit history, and may not have a Social Security Number or other sufficient identification to help them get started in the U.S. banking system.As its name suggests, the Firstcard® Credit Builder Card with Cashback for College Students can change that game. Firstcard membership comes with a joint bank account and credit card combo for successful U.S. resident applicants of any nationality.This card is essentially a secured credit card, with funds from the Firstcard bank account used as security against the card balance. Firstcard doesn't initiate a hard credit pull to determine eligibility, and helps cardholders build credit by reporting payment activity to major credit bureaus every month.The most exciting aspect of the Firstcard is that cardholders can earn interest on any funds banked within their account. Members earn 1.25% annual percentage yield (APY) with the base-tier Firstcard membership, and 4.25% APY with Firstcard+, which costs $2.99 per month.Members can also earn up to 15% cash back from 29,000 retailers throughout the U.S., and up to 10% cash back on every purchase.Finally, Firstcard does not charge the usual card fees (unless you choose Firstcard+): No account management fees, annual fees, no interest, no late fees, no overdraft fees, no setup fees, and no foreign transaction fees.Introductory APR: 0% intro APR for six months on purchases (then 17.24% - 26.24% Variable APR)Annual Fee: $0Rewards: 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate and unlimited 1% cash back on all other purchases automaticallyStudents who like to maximize rewards should consider the Discover it® Student Cash Back, which is typically available to consumers who don't have an extensive credit history.Once you're approved, you can enroll to earn 5% cash back up to a quarterly maximum limit spent on purchases every quarter, which you can track using our Discover cash back calendar. You'll also earn 1% back on everything else (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%).Like other cash-back Discover credit cards, this card will also match all the rewards you earn at the end of the first account year.This card also lets you see your credit score for free each month, and you'll get Social Security Number monitoring, zero fraud liability, and no late fee on your first late payment (then up to $41). Consider applying if you want to earn rewards and build credit at the same time without an annual fee.Read more in our Discover it Student Cash Back card review.Introductory APR: N/A (then 26.74% APR)Annual Fee: $0Rewards: Earn unlimited 1.5% cash back on purchasesThe Chase Freedom Rise℠ should be on your shortlist if you're completely new to credit cards, because it's geared specifically toward people with no credit history at all. This no-annual-fee card earns 1.5% cash back per dollar on all purchases, which is a solid rate of return for a starter credit card.Chase credit cards are incredibly powerful because they earn Chase Ultimate Rewards®, some of the most highly valued points you can earn in the credit card rewards ecosystem. Business Insider values Ultimate Rewards at 1.8 cents apiece on average, and you can get far more from each point through Chase travel partners.Chase Freedom Rise℠ cardholders can only redeem rewards for cash back, statement credits, andn gift cards. But if you open one of several best Chase cards after boosting your credit score, you can combine your points and use Ultimate Rewards to book business- and first-class flights worth thousands of dollars for as little as $5.60 in cash.To improve your chances of approval for the Chase Freedom Rise℠, you should have or open a Chase checking account with a $250 balance within two days of applying for the card. You won't need to maintain a minimum checking account balance after approval.Read more in our Chase Freedom Rise review.Introductory APR: N/A (then 27.24% Variable APR)Annual Fee: $0Rewards: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%) and 1% cash back on all other purchasesIf you have poor credit or no credit history at all, you may need to get started with a secured credit card. Unlike unsecured credit cards that extend a line of credit without collateral, secured cards require a small cash deposit upfront in order to secure an equally small line of credit.The Discover it® Secured Credit Card is widely considered to be one of the best secured credit cards because, unlike other cards in this niche, it doesn't charge an annual fee or any hidden fees.Cardholders also earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%), as well as 1% back on all other purchases. Discover will also match all the rewards you earn at the end of your first account year. Other top benefits include a free look at your FICO score each month, zero liability for fraudulent purchases, and your first credit card late fee waived (after which you'll pay up to $41 per infraction).With this card, automatic reviews start at seven months to see if Discover can transition you to an unsecured line of credit and return your deposit.Read more in our Discover it Secured credit card review.Introductory APR: N/A (then 18.24% - 32.24% Variable APR)Annual Fee: $0Rewards: Earn up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Earn 1% cash back on eligible purchases right away. Earn 2% - 10% cash back at select merchants.The Petal® 2 \"Cash Back, No Fees\" Visa® Credit Card (card issued by WebBank) could be ideal for anyone who wants to build good credit that lasts. This card comes with a minimum credit limit of $500, although there's no annual fee and no fees on late payments.You'll earn a flat 1% back on all your eligible purchases for the first year, but you have the opportunity to graduate to 1.5% back after you've made 12 on-time payments on your credit card.This card also reports to all three credit bureaus — Experian, Equifax, and TransUnion — like the other cards on our list, so it can help you build credit as your purchases and payments are reported. You'll also get access to the powerful Petal® 2 \"Cash Back, No Fees\" Visa® Credit Card Card app, which can help you manage your money better, track your spending, and stay on top of all your bills.Read more in our Petal 2 Visa credit card review.Our team of experts scoured online forums such as Reddit, Facebook, and FlyerTalk to see what everyday cardholders are saying about their favorite first credit cards for newbies. One online commenter rightly said, \"The best first credit card is the one you can actually get.\" Applying for a credit card and getting rejected won't hurt your finances, but it's easiest to focus on attainable products, then upgrade or add to your wallet as you build credit. Discover is well-known to be especially friendly to first-time credit card applicants, which is why we've included the Discover it® Student Chrome, Discover it® Student Cash Back, and the Discover it® Secured Credit Card in this guide.And if you get the Chase Freedom Rise℠ and open a Chase bank account to build your relationship with this major issuer, it will be easier to get approval for popular cards such as the Chase Sapphire Reserve® down the road.Since the Chase Freedom Rise℠ automatically upgrades to the Chase Freedom Unlimited® after one year, you'll be able to transfer rewards you earned from your Rise/Unlimited card to the Sapphire card, then use those rewards toward a variety of travel opportunities at a fraction of the cash value. Many cardholders agree that everyone can benefit from bonus rewards on supermarkets and grocery stores.Some recommend the Blue Cash Preferred® Card from American Express, which earns 6% back on groceries at U.S. supermarkets and streaming subscriptions as well as 3% back on gas and transit costs (1% on everything else). However, Amex cards can be harder to acquire for first-time applicants, since American Express often has stringent requirements for credit approval. Instead, beginners can consider the Capital One Savor Student Cash Rewards Credit Card, which earns 3% back on restaurants, groceries, streaming services, and entertainment purchases (1% on everything else). Most students, young adults, and individuals new to credit can easily maximize these spending categories, and responsible usage on this card will build good credit over time that will help toward qualifying for premium cards from Amex. When choosing a first credit card, it's important to consider features such as low or 0% intro APR, low or no annual fees, rewards programs, and credit-building tools. These features can help you effectively manage your credit effectively and take advantage of benefits such as purchase protection, travel insurance, and extended warranty.All of the cards we've reviewed here offer perks that enhance your financial security and protect your investments. Students, young adults, and beginners who are un- or underemployed face unique challenges when applying for credit cards because they have less income than many issuers want to see when offering credit.If you're a college student, be sure to read our guide to the best student credit cards to learn more. You may also benefit from learning how to boost your credit score by having a parent or guardian add you as an authorized user on their credit card.Choosing the right beginner credit card for you depends on your credit score and where you're at in your credit journey. If you've never had a credit card before, you may need to start with a secured credit card that requires a cash deposit to shore up a small line of credit.If you're just starting out, secured credit cards are the easiest for approval. Almost anyone can get approved for a secured card regardless of credit score, even if they're using that credit card to rebuild credit. This type of credit card requires an initial cash deposit to secure a line of credit that is typically for the same amount. For example, you may put down a $500 cash deposit to secure a $500 line of credit.To build credit with a credit card, use your credit card for expenses within your budget, then pay off your balance in full each month. Your monthly payments will be reported to the three credit bureaus: Experian, Equifax, or TransUnion., and, over time, you'll build a history of responsible credit use that will boost your credit score.You can have one credit card or several. It's totally up to you. When you're first building credit, however, it makes sense to limit yourself to a single card. This way, you can spend time building responsible credit habits before you add more cards and complicate your finances.If you have excellent credit — a FICO score above 740 — you will likely qualify for the best rewards and travel credit cards. Make sure to compare the best current credit card welcome bonuses by their rewards and cardholder perks, and see our best rewards credit cards guide for more info.Business Insider chose the best starter credit cards by first considering credit cards that don't require an excellent credit score to be approved.From there, we focused on cards that appeal to those just starting out with credit, including credit cards for students with no credit and secured credit options.We then narrowed down the list by evaluating the card's features, including rewards earning, annual and other fees, simplicity, and benefits.Here's our methodology for how we rate credit cards.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How do I choose the right beginner credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Choosing the right beginner credit card for you depends on your credit score and where you're at in your credit journey. If you've never had a credit card before, you may need to start with a <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/what-is-a-secured-credit-card\" data-analytics-product-module=\"body_link\" rel=\"\">secured credit card</a> that requires a cash deposit to shore up a small line of credit.</p>"}},{"@type":"Question","name":"What are the easiest cards to get approved for?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you're just starting out, secured credit cards are the easiest for approval. Almost anyone can get approved for a secured card regardless of credit score, even if they're using that <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-rebuild-credit\" data-analytics-product-module=\"body_link\" rel=\"\">credit card to rebuild credit</a>. This type of credit card requires an initial cash deposit to secure a line of credit that is typically for the same amount. For example, you may put down a $500 cash deposit to secure a $500 line of credit.</p>"}},{"@type":"Question","name":"How do I build credit with a credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">To <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/how-to-build-credit-with-a-credit-card-steps\" data-analytics-product-module=\"body_link\" rel=\"\">build credit with a credit card</a>, use your credit card for expenses within your budget, then pay off your balance in full each month. Your monthly payments will be reported to the three <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion\" data-analytics-product-module=\"body_link\" rel=\"\">credit bureaus: Experian, Equifax, or TransUnion.</a>, and, over time, you'll build a history of responsible credit use that will boost your credit score.</p>"}},{"@type":"Question","name":"How many credit cards should I have?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can have one credit card or several. It's totally up to you. When you're first building credit, however, it makes sense to limit yourself to a single card. This way, you can spend time building responsible credit habits before you add more cards and complicate your finances.</p>"}},{"@type":"Question","name":"What card should I get when I have excellent credit?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you have excellent credit — a FICO score above 740 — you will likely qualify for the best rewards and travel credit cards. Make sure to compare the <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses\" data-analytics-product-module=\"body_link\" rel=\"\">best current credit card welcome bonuses</a> by their rewards and cardholder perks, and see our <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards\" data-analytics-product-module=\"body_link\" rel=\"\">best rewards credit cards</a> guide for more info.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards","name":"Credit Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards","name":"Best Credit Cards for Beginners in February 2025"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Holly Johnson" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/holly-johnson" >Holly Johnson</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-01-31T03:26:02Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-31T03:26:02Z </time> 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#best-credit-cards-for-beginners" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Cards for Beginners </a> </li> <li> <a href="#best-for-cash-back" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Cash Back </a> </li> <li> <a href="#best-for-travel-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Travel Rewards </a> </li> <li> <a href="#best-for-food" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Food </a> </li> <li> <a href="#best-for-international-students" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for International Students </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>It's time to get your first credit card. But you can't just apply for any card out there: You'll typically need a history of responsible credit to qualify for one. </p><p>Here are some of the best starter credit cards to consider if you're a credit beginner, including several that earn travel and cash-back rewards.</p><p>Several of our recommended cards are issued by Discover, which is well-known to be friendly to students and other adults who are just getting started with credit. (If you're still in school, check out our guide to the <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/best-student-credit-cards" data-analytics-product-module="body_link" rel="">best student credit cards</a> to learn more about cards that are designed just for you.)</p><p>Others come from Chase and Capital One, which offer many other credit products that can further enhance your financial life down the road. </p><h2 id="best-credit-cards-for-beginners" data-toc-id="3ba4fb4a-9f38-41ca-9ff2-0f1049b99241" data-toc-label="Best Credit Cards for Beginners" class="toc-anchor">Best Credit Cards for Beginners</h2><ul><li>Best for flat-rate cash back: Capital One QuicksilverOne Cash Rewards Credit Card</li><li>Best for travel rewards: Capital One VentureOne Rewards Credit Card</li><li>Best for restaurants and groceries: Capital One Savor Student Cash Rewards Credit Card</li><li>Best for international students: Firstcard® Credit Builder Card with Cashback for College Students</li><li>Best for 5% cash back: Discover it® Student Cash Back</li><li>Best for bad credit: Discover it® Secured Credit Card</li><li>Best for Chase customers: Chase Freedom Rise℠<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Freedom Rise℠ has been collected by Business Insider and has not been reviewed or provided by the issuer of this card." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </li><li>Best for building credit: Petal® 2 "Cash Back, No Fees" Visa® Credit Card</li></ul><h2 id="3cf8eeab-2b58-4d3f-9132-defcf2f5b189" data-toc-id="3cf8eeab-2b58-4d3f-9132-defcf2f5b189">Featured Credit Cards for Beginners</h2> <div id="capital-one-savor-student-cash-rewards-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for restaurants and groceries </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One Savor Student Cash Rewards Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-student-cash-rewards-credit-card-comparison" rel="nofollow noindex" data-analytics-product-id="610c02673d20d60011eaa592" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Savor Student Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Learn more </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare the Capital One Savor Student Cash Rewards Credit Card</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-student-cash-rewards-credit-card-comparison" rel="nofollow noindex" data-analytics-product-id="610c02673d20d60011eaa592" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Savor Student Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6717c44f01ea6d83dee32401?width=400" alt="Capital One Capital One Savor Student Cash Rewards Credit Card"> <noscript> <img class="no-script" src="https://i.insider.com/6717c44f01ea6d83dee32401?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="610c02673d20d60011eaa592-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.41905831863685106"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.41905831863685106)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6804904014738364"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6804904014738364)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9787911474151474"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9787911474151474)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.29591836007594696"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.29591836007594696)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9685963721257624"> <stop stop-color="#faa809" offset="5%"></stop> <stop stop-color="white" offset="5%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9685963721257624)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.05<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">19.24% - 29.24% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$50 cash bonus once you spend $100 on purchases within three months of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn a $50 cash bonus</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Average, Fair, Limited</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="610c02673d20d60011eaa592" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Savor Student Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Good welcome bonus with an easy spending requirement</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee or foreign transaction fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available to college students</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Capital One Savor Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-card-review" data-analytics-product-id="610c02673d20d60011eaa592" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Savor Student Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Savor Student Cash Rewards Credit Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases</li> <li class="financial-product-card__product-details__list-item">Early Spend Bonus: Earn $50 when you spend $100 in the first three months</li> <li class="financial-product-card__product-details__list-item">Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges</li> <li class="financial-product-card__product-details__list-item">Enjoy no annual fee, foreign transaction fees, or hidden fees</li> <li class="financial-product-card__product-details__list-item">Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply</li> <li class="financial-product-card__product-details__list-item">Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card</li> <li class="financial-product-card__product-details__list-item">Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal</li> <li class="financial-product-card__product-details__list-item">Build your credit with responsible card use</li> <li class="financial-product-card__product-details__list-item">Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="610c02673d20d60011eaa592" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Savor Student Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="capital-one-ventureone-rewards-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for travel rewards </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One VentureOne Rewards Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-one-rewards-credit-card-comparison" rel="nofollow noindex" data-analytics-product-id="5e8398b32ff839678b66217c" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One VentureOne Rewards Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Learn more </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare the Capital One VentureOne Rewards Credit Card</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-one-rewards-credit-card-comparison" rel="nofollow noindex" data-analytics-product-id="5e8398b32ff839678b66217c" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One VentureOne Rewards Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/66e06aa783b8099cf9fd2749?width=400" alt="Capital One Capital One VentureOne Rewards Credit Card"> <noscript> <img class="no-script" src="https://i.insider.com/66e06aa783b8099cf9fd2749?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e8398b32ff839678b66217c-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5421698349516288"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5421698349516288)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9587170520391004"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9587170520391004)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.01282304382356192"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.01282304382356192)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6538559576825118"> <stop stop-color="#faa809" offset="95%"></stop> <stop stop-color="white" offset="95%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6538559576825118)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7669042798093004"> <stop stop-color="#faa809" offset="-5%"></stop> <stop stop-color="white" offset="-5%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7669042798093004)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.95<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25 miles on every purchase.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">19.24% - 29.24% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">20,000 miles after spending $500 on purchases within three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 20,000 miles</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e8398b32ff839678b66217c" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One VentureOne Rewards Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee or foreign transaction fees</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Versatile rewards</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earn 1.25 miles per dollar on all purchases with no bonus categories to track</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Lower earning rate than some other no-annual-fee rewards cards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Limited benefits</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-ventureone-rewards-card-review" data-analytics-product-id="5e8398b32ff839678b66217c" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One VentureOne Rewards Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> VentureOne Rewards Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">$0 annual fee and no foreign transaction fees</li> <li class="financial-product-card__product-details__list-item">Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel</li> <li class="financial-product-card__product-details__list-item">Earn unlimited 1.25X miles on every purchase, every day</li> <li class="financial-product-card__product-details__list-item">Miles won't expire for the life of the account and there's no limit to how many you can earn</li> <li class="financial-product-card__product-details__list-item">Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options</li> <li class="financial-product-card__product-details__list-item">Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel</li> <li class="financial-product-card__product-details__list-item">Transfer your miles to your choice of 15+ travel loyalty programs</li> <li class="financial-product-card__product-details__list-item">Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e8398b32ff839678b66217c" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One VentureOne Rewards Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="discover-it®-student-cash-back" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for 5% cash back categories </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Discover it® Student Cash Back</div> <div class="financial-product-card__cta-container"> <a target="_blank" 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href="https://affiliate.insider.com/?amazonTrackingID=&h=3e23c39cdd662e6725c4bd06eaa0fbb68f08928a07b6fa223f9531b557d6b458&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679703%26cr%3D28449%26last_updated%3D1599180035" data-analytics-product-id="5e7248efc48540329029fb43" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Student Cash Back" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=3e23c39cdd662e6725c4bd06eaa0fbb68f08928a07b6fa223f9531b557d6b458&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679703%26cr%3D28449%26last_updated%3D1599180035">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71347-20&h=68b45a7dcb8dc71029475ce49bdcc4b579697921da0a328ee333b0a27b773cce&platform=browser&postID=669ecc29c87a0f57098f7c17&postSlug=personal-finance%2Fcredit-cards%2Fbest-starter-credit-cards&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679702%26cr%3D28046%26last_updated%3D1598308625" rel="nofollow noindex" data-analytics-product-id="5e7248efc48540329029fb43" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Student Cash Back" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=68b45a7dcb8dc71029475ce49bdcc4b579697921da0a328ee333b0a27b773cce&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26679702%26cr%3D28046%26last_updated%3D1598308625"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60abfd4a5e345700192653db?width=400" alt="Discover Discover it® Student Cash Back"> <noscript> <img class="no-script" src="https://i.insider.com/60abfd4a5e345700192653db?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e7248efc48540329029fb43-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9664908146279236"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9664908146279236)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.09008969560113655"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.09008969560113655)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7658180168204543"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7658180168204543)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.10218355488247366"> <stop stop-color="#faa809" offset="80%"></stop> <stop stop-color="white" offset="80%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.10218355488247366)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8475763829751397"> <stop stop-color="#faa809" offset="-20%"></stop> <stop stop-color="white" offset="-20%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8475763829751397)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.8<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for six months on purchases</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.24% - 26.24% Variable APR</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Unlimited Cashback Match® - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn Unlimited Cashback Match®</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Fair/New to Credit</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e7248efc48540329029fb43" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Student Cash Back" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>From January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discover matches your cash back after the first year</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Not the most rewarding cash-back card for non-bonus purchases</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Discover it® Student Cash Back is a great choice if you're a student with limited credit history and want to earn a strong rate of cash back on your everyday spending without paying an annual fee.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/discover-it-student-cash-back-card-review" data-analytics-product-id="5e7248efc48540329029fb43" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Student Cash Back" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Discover it Student Cash Back <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200. </li> <li class="financial-product-card__product-details__list-item">Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.</li> <li class="financial-product-card__product-details__list-item">Redeem your rewards for cash at any time.</li> <li class="financial-product-card__product-details__list-item">No credit score required to apply.</li> <li class="financial-product-card__product-details__list-item">Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.</li> <li class="financial-product-card__product-details__list-item">No annual fee and build your credit with responsible use.</li> <li class="financial-product-card__product-details__list-item">0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.</li> <li class="financial-product-card__product-details__list-item">Terms and conditions apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e7248efc48540329029fb43" data-analytics-product-brand="Discover" data-analytics-product-name="Discover it® Student Cash Back" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><hr><h3 id="best-for-cash-back" data-toc-id="86bf7321-9132-43ff-8f81-47052b7d6b5f" data-toc-label="Best for Cash Back" class="toc-anchor">Capital One QuicksilverOne Cash Rewards Credit Card: Best for Flat-Rate Cash Back</h3><p><strong>Introductory APR: </strong>N/A (then 29.74% variable APR)</p><p><strong>Annual Fee:</strong> $39</p><p><strong>Rewards:</strong> Earn unlimited 1.5% cash back on all purchases.</p><p>According to Capital One, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with "average" credit, which makes the card attainable for people with limited credit, or anyone who has made credit mistakes in the past.</p><p>With this card, you can earn 5% cash back on hotels and rental cars booked through <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-use-capital-one-travel-portal" data-analytics-product-module="body_link" rel="">Capital One Travel</a> and a flat 1.5% cash back for each dollar you spend on other purchases. That's not bad for a rewards credit card, and it's especially good for cards available to consumers with average credit.</p><p>Capital One also promises to reconsider your credit limit and potentially boost it after you've made six on-time payments on your credit card. This card also comes with <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-no-foreign-transaction-fees" data-analytics-product-module="body_link" rel="">no foreign transaction fees</a> and several benefits, which is a lot more than many <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-fair-credit" data-analytics-product-module="body_link" rel="">credit cards for fair credit</a> offer.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-quicksilverone-card-review" data-analytics-product-module="body_link" rel=""><em>Capital One QuicksilverOne card review</em></a><em>.</em></p><h3 id="best-for-travel-rewards" data-toc-id="c4ab8b13-b9a9-4467-ad47-322b0c451d06" data-toc-label="Best for Travel Rewards" class="toc-anchor">Capital One VentureOne Rewards Credit Card: Best for Travel Rewards</h3><p><strong>Introductory APR:</strong>  0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time) (then 19.24% - 29.24% Variable APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> 5 miles per dollar on hotels and rental cars booked through Capital One Travel and unlimited 1.25 miles on every purchase</p><p>The Capital One VentureOne Rewards Credit Card is typically only available to consumers with good credit or better, but it's important to note that a good FICO score typically starts in the 670+ range. If you can qualify, this card can serve as a starter travel credit card that can help you get accustomed to earning this type of rewards.</p><p>Once you're approved, you'll earn a flat 1.25 miles for each dollar you spend. You can also earn 20,000 miles after spending $500 on purchases within three months from account opening.</p><p>On the redemption side of the equation, you can <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-and-redeem-capital-one-miles" data-analytics-product-module="body_link" rel="">redeem Capital One miles</a> for any type of travel at a rate of 1 cent apiece, or for <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-transfer-partners" data-analytics-product-module="body_link" rel="">Capital One transfer partners</a> for airfare and hotel stays. This card also comes with no annual fee and no foreign transaction fees.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-ventureone-rewards-card-review" data-analytics-product-module="body_link" rel=""><em>Capital One VentureOne Rewards card review</em></a><em>.</em></p><h3 id="best-for-food" data-toc-id="4c0e1453-8ed3-4755-80b8-8aeb12520e95" data-toc-label="Best for Food" class="toc-anchor">Capital One Savor Student Cash Rewards Credit Card: Best for Restaurants, Groceries, and Entertainment</h3><p><strong>Introductory APR:</strong> N/A (then 19.24% - 29.24% Variable APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> 8% cash back on entertainment purchased through the Capital One Entertainment portal, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases</p><p>If you're a college student who likes to go out, the Capital One Savor Student Cash Rewards Credit Card is hard to beat. Cardholders earn 3% cash back on dining, groceries, entertainment, and eligible streaming services with no limits, and 1% cash back on all other purchases.</p><p>This card is extra appealing because it offers a welcome bonus offer of $50 cash bonus once you spend $100 on purchases within three months of account opening. It's possible to qualify with limited credit, so if you're new to credit cards it's a solid choice.</p><p>You'll also receive surprisingly good benefits for a no-annual-fee student card, including price protection, extended warranty, car rental coverage, roadside dispatch, travel accident insurance, and complimentary concierge services.</p><p>Most Capital One rewards cardholders, including those with the Capital One Savor Student Cash Rewards Credit Card, can book flights, hotels, and rental cars with rewards, or pay with their card and earn 5 points per dollar on hotels and car rentals booked through the Capital One travel portal.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-card-review" data-analytics-product-module="body_link" rel=""><em>Capital One Savor Student Cash Rewards credit card review</em></a><em>.</em></p><h3 id="best-for-international-students" data-toc-id="141d15ed-89f8-4042-bff2-1c231b2d5924" data-toc-label="Best for International Students" class="toc-anchor">Firstcard® Credit Builder Card with Cashback for College Students: Best for International Students</h3><p><strong>Introductory APR: </strong>N/A (then 0% APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> Earns up to 15% cash back with some retailers. Earn up to 4.25% APY on the money you use to secure the card.</p><p>International students often struggle to get credit cards because they lack credit history, and may not have a Social Security Number or other sufficient identification to help them get started in the U.S. banking system.</p><p>As its name suggests, the Firstcard® Credit Builder Card with Cashback for College Students can change that game. Firstcard membership comes with a joint bank account and credit card combo for successful U.S. resident applicants of any nationality.</p><p>This card is essentially a secured credit card, with funds from the Firstcard bank account used as security against the card balance. Firstcard doesn't initiate a hard credit pull to determine eligibility, and helps cardholders build credit by reporting payment activity to major credit bureaus every month.</p><p>The most exciting aspect of the Firstcard is that cardholders can earn interest on any funds banked within their account. Members earn 1.25% annual percentage yield (APY) with the base-tier Firstcard membership, and 4.25% APY with Firstcard+, which costs $2.99 per month.</p><p>Members can also earn up to 15% cash back from 29,000 retailers throughout the U.S., and up to 10% cash back on every purchase.</p><p>Finally, Firstcard does not charge the usual card fees (unless you choose Firstcard+): No account management fees, annual fees, no interest, no late fees, no overdraft fees, no setup fees, and no foreign transaction fees.</p><h3 id="00bb55dd-e5e3-4ce9-b13a-6c98f928be99" data-toc-id="00bb55dd-e5e3-4ce9-b13a-6c98f928be99" data-toc-label="Best for 5% Cash Back">Discover it® Student Cash Back: Best for 5% Cash Back Categories</h3><p><strong>Introductory APR:</strong> 0% intro APR for six months on purchases (then 17.24% - 26.24% Variable APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate and unlimited 1% cash back on all other purchases automatically</p><p>Students who like to maximize rewards should consider the Discover it® Student Cash Back, which is typically available to consumers who don't have an extensive credit history.</p><p>Once you're approved, you can enroll to earn <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-5-cash-back-credit-card" data-analytics-product-module="body_link" rel="">5% cash back</a> up to a quarterly maximum limit spent on purchases every quarter, which you can track using our <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-calendar" data-analytics-product-module="body_link" rel="">Discover cash back calendar</a>. You'll also earn 1% back on everything else (from January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%).</p><p>Like other cash-back <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-discover-credit-cards" data-analytics-product-module="body_link" rel="">Discover credit cards</a>, this card will also match all the rewards you earn at the end of the first account year.</p><p>This card also lets you see your credit score for free each month, and you'll get Social Security Number monitoring, zero fraud liability, and no late fee on your first late payment (then up to $41). Consider applying if you want to earn rewards and build credit at the same time without an annual fee.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-student-cash-back-card-review" data-analytics-product-module="body_link" rel=""><em>Discover it Student Cash Back card review</em></a><em>.</em></p><h3 id="552f3b11-cd83-4cbd-b234-5b5c94c598d1" data-toc-id="552f3b11-cd83-4cbd-b234-5b5c94c598d1" data-toc-label="Best Chase Card">Chase Freedom Rise℠: Best for Chase Customers</h3><p><strong>Introductory APR:</strong> N/A (then 26.74% APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> Earn unlimited 1.5% cash back on purchases</p><p>The Chase Freedom Rise℠ should be on your shortlist if you're completely new to credit cards, because it's geared specifically toward people with no credit history at all. This no-annual-fee card earns 1.5% cash back per dollar on all purchases, which is a solid rate of return for a starter credit card.</p><p>Chase credit cards are incredibly powerful because they earn <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards®</a>, some of the most highly valued points you can earn in the credit card rewards ecosystem. Business Insider values Ultimate Rewards at 1.8 cents apiece on average, and you can get far more from each point through Chase travel partners.</p><p>Chase Freedom Rise℠ cardholders can only redeem rewards for cash back, statement credits, andn gift cards. But if you open one of several <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-card" data-analytics-product-module="body_link" rel="">best Chase cards</a> after boosting your credit score, you can combine your points and use Ultimate Rewards to book business- and first-class flights worth thousands of dollars for as little as $5.60 in cash.</p><p>To improve your chances of approval for the Chase Freedom Rise℠, you should have or open a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-checking-accounts-review" data-analytics-product-module="body_link" rel="">Chase checking account</a> with a $250 balance within two days of applying for the card. You won't need to maintain a minimum checking account balance after approval.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-rise-review" data-analytics-product-module="body_link" rel=""><em>Chase Freedom Rise review</em></a><em>.</em></p><h3 id="79d45492-8e3d-4288-ade2-8bc6a5723497" data-toc-id="79d45492-8e3d-4288-ade2-8bc6a5723497" data-toc-label="Best for Bad Credit">Discover it® Secured Credit Card: Best for Bad Credit</h3><p><strong>Introductory APR:</strong> N/A (then 27.24% Variable APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards: </strong>2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%) and 1% cash back on all other purchases</p><p>If you have poor credit or no credit history at all, you may need to get started with a secured credit card. Unlike unsecured credit cards that extend a line of credit without collateral, secured cards require a small cash deposit upfront in order to secure an equally small line of credit.</p><p>The Discover it® Secured Credit Card is widely considered to be one of the best secured credit cards because, unlike other cards in this niche, it doesn't charge an annual fee or any hidden fees.</p><p>Cardholders also earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%), as well as 1% back on all other purchases. Discover will also match all the rewards you earn at the end of your first account year. </p><p>Other top benefits include a free look at your <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO score</a> each month, zero liability for fraudulent purchases, and your first <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/credit-card-late-fee-waived" data-analytics-product-module="body_link" rel="">credit card late fee waived</a> (after which you'll pay up to $41 per infraction).</p><p>With this card, automatic reviews start at seven months to see if Discover can transition you to an unsecured line of credit and return your deposit.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review" data-analytics-product-module="body_link" rel=""><em>Discover it Secured credit card review</em></a><em>.</em></p><h3 id="52544ffb-c7a4-417f-aa10-6fb602047ed7" data-toc-id="52544ffb-c7a4-417f-aa10-6fb602047ed7" data-toc-label="Best for Building Credit">Petal® 2 "Cash Back, No Fees" Visa® Credit Card: Best for Building Credit</h3><p><strong>Introductory APR: </strong>N/A (then 18.24% - 32.24% Variable APR)</p><p><strong>Annual Fee:</strong> $0</p><p><strong>Rewards:</strong> Earn up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Earn 1% cash back on eligible purchases right away. Earn 2% - 10% cash back at select merchants.</p><p>The Petal® 2 "Cash Back, No Fees" Visa® Credit Card (card issued by WebBank) could be ideal for anyone who wants to build good credit that lasts. This card comes with a minimum credit limit of $500, although there's no annual fee and no fees on late payments.</p><p>You'll earn a flat 1% back on all your eligible purchases for the first year, but you have the opportunity to graduate to 1.5% back after you've made 12 on-time payments on your credit card.</p><p>This card also reports to all three credit bureaus — Experian, Equifax, and TransUnion — like the other cards on our list, so it can help you build credit as your purchases and payments are reported. You'll also get access to the powerful Petal® 2 "Cash Back, No Fees" Visa® Credit Card Card app, which can help you manage your money better, track your spending, and stay on top of all your bills.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/petal-2-visa-credit-card-review" data-analytics-product-module="body_link" rel=""><em>Petal 2 Visa credit card review</em></a><em>.</em></p><h2 id="4010d81f-361c-4c89-b93f-81b0c8577a88" data-toc-id="4010d81f-361c-4c89-b93f-81b0c8577a88" data-toc-label="Consumer Insights: Best Credit Cards for Beginners">Best Credit Cards for Beginners Customer Reviews</h2><p>Our team of experts scoured online forums such as Reddit, Facebook, and FlyerTalk to see what everyday cardholders are saying about their favorite first credit cards for newbies. </p><h3 id="b45fc12a-0df3-4ff1-ab9b-cfc0ab198d7d" data-toc-id="b45fc12a-0df3-4ff1-ab9b-cfc0ab198d7d">Focus on Cards Within Your Reach</h3><p>One online commenter rightly said, "The best first credit card is the one you can actually get." Applying for a credit card and getting rejected won't hurt your finances, but it's easiest to focus on attainable products, then upgrade or add to your wallet as you build credit. </p><p>Discover is well-known to be especially friendly to first-time credit card applicants, which is why we've included the Discover it® Student Chrome, Discover it® Student Cash Back, and the Discover it® Secured Credit Card in this guide.</p><p>And if you get the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-analytics-product-module="body_link" rel="">Chase Freedom Rise℠</a> and open a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-bank-review" data-analytics-product-module="body_link" rel="">Chase bank</a> account to build your relationship with this major issuer, it will be easier to get approval for popular cards such as the Chase Sapphire Reserve® down the road.</p><p>Since the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-analytics-product-module="body_link" rel="">Chase Freedom Rise℠</a> automatically upgrades to the Chase Freedom Unlimited® after one year, you'll be able to transfer rewards you earned from your Rise/Unlimited card to the Sapphire card, then use those rewards toward a variety of travel opportunities at a fraction of the cash value. </p><h3 id="10cc0dfe-f5c4-40ce-b050-35eeb9f89e4d" data-toc-id="10cc0dfe-f5c4-40ce-b050-35eeb9f89e4d">Prioritize Grocery Rewards</h3><p>Many cardholders agree that everyone can benefit from bonus rewards on supermarkets and grocery stores.</p><p>Some recommend the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-blue-cash-preferred-review" data-analytics-product-module="body_link" rel="">Blue Cash Preferred® Card from American Express</a>, which earns 6% back on groceries at U.S. supermarkets and streaming subscriptions as well as 3% back on gas and transit costs (1% on everything else). However, Amex cards can be harder to acquire for first-time applicants, since American Express often has stringent requirements for credit approval. <br><br>Instead, beginners can consider the Capital One Savor Student Cash Rewards Credit Card, which earns 3% back on restaurants, groceries, streaming services, and entertainment purchases (1% on everything else). Most students, young adults, and individuals new to credit can easily maximize these spending categories, and responsible usage on this card will build good credit over time that will help toward qualifying for premium cards from Amex. </p><h2 id="f14bfbc6-f726-41bc-b3ec-54b3adf8b9fc" data-toc-id="f14bfbc6-f726-41bc-b3ec-54b3adf8b9fc">Credit Card Features for Beginners</h2><p>When choosing a first credit card, it's important to consider features such as low or 0% intro APR, low or no annual fees, rewards programs, and credit-building tools. These features can help you effectively manage your credit effectively and take advantage of benefits such as purchase protection, travel insurance, and extended warranty.</p><p>All of the cards we've reviewed here offer perks that enhance your financial security and protect your investments. </p><h2 id="cf7abd12-e9d2-4815-8abf-f11a2a81705a" data-toc-id="cf7abd12-e9d2-4815-8abf-f11a2a81705a">Credit Cards for College Students</h2><p>Students, young adults, and beginners who are un- or underemployed face unique challenges when applying for credit cards because they have less income than many issuers want to see when offering credit.</p><p>If you're a college student, be sure to read our guide to the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-student-credit-cards" data-analytics-product-module="body_link" rel="">best student credit cards</a> to learn more. You may also benefit from learning how to boost your credit score by having a parent or guardian add you as an <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/add-child-authorized-user-credit-card" data-analytics-product-module="body_link" rel="">authorized user on their credit card</a>.</p><h2 id="faqs" data-toc-id="58f898d7-fa59-49fe-8ddc-83f34a689d02" data-toc-label="FAQs" class="toc-anchor">Frequently Asked Questions About the Best Credit Cards for Beginners</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I choose the right beginner credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Choosing the right beginner credit card for you depends on your credit score and where you're at in your credit journey. If you've never had a credit card before, you may need to start with a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-a-secured-credit-card" data-analytics-product-module="body_link" rel="">secured credit card</a> that requires a cash deposit to shore up a small line of credit.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the easiest cards to get approved for? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you're just starting out, secured credit cards are the easiest for approval. Almost anyone can get approved for a secured card regardless of credit score, even if they're using that <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-rebuild-credit" data-analytics-product-module="body_link" rel="">credit card to rebuild credit</a>. This type of credit card requires an initial cash deposit to secure a line of credit that is typically for the same amount. For example, you may put down a $500 cash deposit to secure a $500 line of credit.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I build credit with a credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-build-credit-with-a-credit-card-steps" data-analytics-product-module="body_link" rel="">build credit with a credit card</a>, use your credit card for expenses within your budget, then pay off your balance in full each month. Your monthly payments will be reported to the three <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion" data-analytics-product-module="body_link" rel="">credit bureaus: Experian, Equifax, or TransUnion.</a>, and, over time, you'll build a history of responsible credit use that will boost your credit score.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How many credit cards should I have? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can have one credit card or several. It's totally up to you. When you're first building credit, however, it makes sense to limit yourself to a single card. This way, you can spend time building responsible credit habits before you add more cards and complicate your finances.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What card should I get when I have excellent credit? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you have excellent credit — a FICO score above 740 — you will likely qualify for the best rewards and travel credit cards. Make sure to compare the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses" data-analytics-product-module="body_link" rel="">best current credit card welcome bonuses</a> by their rewards and cardholder perks, and see our <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-analytics-product-module="body_link" rel="">best rewards credit cards</a> guide for more info.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="a64969ce-40cb-4ab4-832a-3f124457cb5f" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Chose the Best Credit Cards for Beginners</h2><p>Business Insider chose the best starter credit cards by first considering credit cards that don't require an excellent credit score to be approved.</p><p>From there, we focused on cards that appeal to those just starting out with credit, including credit cards for students with no credit and secured credit options.</p><p>We then narrowed down the list by evaluating the card's features, including rewards earning, annual and other fees, simplicity, and benefits.</p><p>Here's our methodology for <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a>.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/best-starter-credit-cards-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/holly-johnson" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="holly-johnson"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5b8452a6959f345d118b54ea?crop=1:1&width=256&format=jpeg&auto=webp" alt="photo"> <noscript> <img class="no-script" src="https://i.insider.com/5b8452a6959f345d118b54ea?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/holly-johnson" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Holly Johnson</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Rise℠. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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