There is no credit card that is “the one”, but there are certainly a lot of options that would work well for you, whether you are a traveler, someone trying to build credit, looking for rewards, etc. Which one should you choose though? As you can see in this article, there are a lot of ways to build credit with a credit card, but the most important part is to keep healthy habits with your credit cards, such as keeping your utilization low and trying to avoid carrying a .
Start off 2022 in the right direction by looking into some of these best credit cards.
|$75 the first year$99 thereafter|
|Credit Score required||300 – 579|
With this credit card you will get the chance to build your credit. The late fee goes up to $40 and the penalty APR is set at 29.90%. The application process is simple and easy. You will see a response from them in as soon as 60 seconds.
Applied Bank Secured Card
|Credit Score required||300 – 639|
This secured option is great if you have a poor credit score and are looking for an option to build credit. You can start with an initial security deposit of $200 – $1,000 and get a credit line up to $5,000 with additional deposits.
Chase Freedom Unlimited
|APR||14.99% – 23.74% variable|
|Credit Score required||Good/Excellent|
|Rewards||3% cashback on restaurants and drugstore purchases5% cashback on travels purchased through their service
1.5% on every other purchase
If you have a good or excellent credit score, this option is great for you. It has great rewards and an intro bonus of extra 1.5% on everything you buy as well as a 0% APR for the first 15 months.