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If you're a student, consider checking with your bank to see if they offer a credit card specifically for students.
If you have not yet started establishing a credit history, check out secured credit card options. A secured credit card has been referred to as a "credit card on training wheels" because you have to deposit a set amount into a savings account as collateral for the amount you borrow, so it's like using your own money.
Plus, you get: Whether you have no credit or bad credit, the Visa Blue will help you build it back up.
Plus, with no annual fee, all you have to do is choose the card that meets your needs and apply today.
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Depending on the type you have, there are lots of perks you may be able to take advantage of.
For example, if you're a traveler who loves to explore internationally, you can try a credit card that waves the foreign transaction fee — which is normally 2 to 3 percent. I believe a good benchmark is to have two cards from different credit card processors — for example, Visa and American Express — in case vendors do not accept all types.
If you have a poor credit history, start to reverse the trend by making an effort to pay off your debt in full if you are able to. There are a variety of ways that you can potentially prove to a lender that you are creditworthy: Pay your student loan monthly balance in full and on time, never miss payments on everyday bills, make a steady income, and open a checking account with the bank where you will apply for a credit card, loan, or mortgage. No, but debit cards can help you establish a relationship with the bank where your account is.
Also, check to make sure you have no outstanding medical bills or parking tickets, which are two of the biggest credit-score tankers outside of credit card debt. If you are in good standing and have been a bank's client for some time, you may be more likely to be considered for a loan or credit card.
If you have a poor credit score, a secured credit score could be your best option to rebuild your credit.
The downsides of secured credit card are that they tend to have annual fees, application fees, late-payment penalties, high interest rates, and over-the-limit charges.
I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.
The more cards you have, the more you will need to keep track of, so having just a few can help you simplify your overall credit card management.
You can now add Cash to the list of rewards you can get with this card.