![]() You may also set up automatic payments to ensure that you never miss a payment. Monitoring your credit score is easy through the free-to-use CreditWise platform. You pay no foreign transaction fees when you use this card outside of the U.S. However, it charges an annual fee of $39. This Capital One card makes it to the list of best credit cards for beginners because it offers 1.5% unlimited cash back on all purchases. Free access to CreditWise lets you easily monitor your TransUnion VantageScore 3.0 credit score.Ĭapital One QuicksilverOne Cash Rewards Credit Card - Great for earning cash back on all purchases Setting up automatic payments is possible. Capital One automatically considers cardholders for higher credit lines in as little as six months. This beginner’s credit card from Capital One comes with no annual fees and no foreign transaction fees. ![]() Some of these cards come with introductory spend-based bonus offers too.Ĭapital One Platinum Credit Card - Ideal for building credit without paying annual or foreign transaction fees If you follow these tips, you may build a strong credit history that will help you meet your financial goals.The best first-time credit cards for the general population are typically ones that come with no annual fees, no foreign transaction fees and offer rewards or cash back. Otherwise, it may take many years to pay off even a small credit card balance if you only make minimum payments. The best way to reduce the interest owed on a credit card is to pay off the balance as quickly as possible. Pay at least the minimum payment due each month, or more if you can, and make sure you pay on time. So use your credit card to make purchases, but don’t go over your credit limit or let your balance owed get too high to manage. Once you start using credit, it’s essential to manage it properly.
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