What is the best credit card to buy?

best credit card
Aaron S asked:


I am looking to apply for my first credit card and not sure which one would be best for me. I am not going to use it all of the time, just purchases here and there to build up my credit. Does anyone have any suggestions? Your help is appreciated, thank you.

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6 Responses to What is the best credit card to buy?

  1. SMD
    June 11, 2009 at 10:11 pm

    It depends alot on your credit. Here is a site that lists many different types of cards from no or bad credit cards to rewards and balance transfer cards.

  2. lhonorajr
    June 13, 2009 at 10:31 am

    secured credit cards are the best bank of america ,wells fargo, and woodforest bank. try dillards, macy, and sears

  3. john_a_monaco
    June 14, 2009 at 12:30 am

    You may not need a secured card. and just apply for one under the “no credit” section. My first credit card was though Bank of America and it had a 3400 limit.

  4. traffic814
    June 17, 2009 at 2:19 am

    There are many credit cards available to people with poor / no credit. Orchard Bank and First Premier are two of the most popular issuers. You’ll also have to decide between ‘secured’ and ‘unsecured’. Since you won’t pay a security deposit with an unsecured credit card, I would try that first.

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  5. nick
    June 18, 2009 at 1:44 am

    try capital one or citi bank first.

    If it does not work, then get a secured credit card from your bank to start with. (or try HSBC/Orchard Bank Mastercard).

  6. moviegoer_j
    June 18, 2009 at 11:24 pm

    The best way to build your credit is to funnel your normal spending (i.e. what you’d buy anyway because it’s a necessity) through your credit card(s) and pay off your balance in full every month. If you’re using that strategy, then you might as well funnel your spending through a rewards credit card to earn rewards.

    I know a lot of people find that the American Express Blue Cash is good for them.

    However, you can use this rewards calculator to find which credit card will pay you the most in rewards for your normal spending profile:

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