Starter Cards
The first family of cards this article will dive into are the no-annual-fee cards.
These cards help you wet your feet with the world of credit cards and awards/cash back with out having to worry about an annual fee.
They will help you begin getting in the habit of using your credit cards for specific purchases, while also help you get comfortable with paying off a monthly balance while building credit.
Discover
Discover It Cash Back
$0/year
Rewards:
- 5% cash back on everyday purchases at different places you shop each quarte
- 1% cash back on all other purchases.
Intro Bonus: Unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much they will match.
Chase
Chase Freedom Unlimited
$0/year
Rewards:
- 5% on travel purchased through Chase Ultimate Rewards
- 3% on dining, including takeout and eligible delivery services, and drugstores
- 1.5% on all other purchases
Intro Bonus: $200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening
Wells Fargo
Wells Fargo Active Cash
$0/year
Rewards:
- 2% cash rewards on purchases
Intro Bonus: $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Wells Fargo Autograph
$0/year
Rewards:
- 3% points on Restaurants, Travel, Streaming, Phone Plans, Transit, and Gas
- 1% points on all other purchases
Intro Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months1 – that’s a $200 cash redemption value
Capital One
CapitalOne Saver One
$0 per year
Rewards:
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores)
- 1% on all other purchases.
Intro Bonus: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
CapitalOne Venture Rewards
$0 per year
Rewards: Earn unlimited 1.25x miles on every purchase.
Earn unlimited 5x miles on hotels and rental cars booked through Capital One Travel
Intro Bonus: Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
Citi Bank
Citi Double Cash
$0 per year
Rewards: Earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories or caps.
Intro Bonus: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
