Chase Sapphire Preferred

Signing Up for Your First Credit Cards: Additional Tips

Note: We are rewarded when you are approved for certain cards from our advertising partners, such as American Express, Chase and Barclaycard. Opinions expressed on this site are ours alone and have not been reviewed or approved by the issuer. See here for details. Thank you!

If you’ve made it this far, then you’re doing alright! At this point, you know a lot more about your credit score, points/miles, loyalty programs and travel goals.

You should have your strategy in place, or at least have an idea of what you want it to be. You’ve probably thought about what your budgets will be, and you’re sure you can continue to pay off your cards.

We’ve provided some tips and strategies for determining which cards you want throughout the guide, and here you will find some additional resources and tips to help you choose.

Finding the Right Card

These are links to the content we have on the various credit cards out there. Always check back for new updates!

Check out the links above to see if any of the cards and benefits appeal to you. The top 10 list is a great place to start! This list includes some good first cards and others you can get to improve your overall benefits.

Remember that we suggest you begin your strategy by deciding on a place to go and determining how to get there. By doing this, you have information that allows you to target specific cards.

We suggest clicking on one of the links and getting signed up if any of those cards match your strategy!

[Editor’s Note: We do get compensation for any sign-ups through our affiliate links. This helps us maintain the site and provide great content. Don’t feel obligated to do so, but know that we appreciate it when you do!]

Don’t see any cards in the top 10 list that match your strategy? Look around and find cards that do. Are you trying to earn airline miles? Bank rewards points? Hotel points? You can search and sort by a variety of parameters, so check it out.

Check into cards with high sign-up bonuses if you’re looking to get started in a new loyalty program.

A great starting card for anyone is always the Chase Sapphire Preferred® Card. This card offers a great amount of flexibility, earning potential, and benefits.

If you are truly a beginner trying to build credit, we suggest starting with the Chase Slate® Card. This card has no annual fee, gives you access to your free FICO score (allowing you to track it), and is available to a wide-range of credit scores!

Remember that you can use the Card Match Tool to help you find cards you may be pre-approved for already if you need help narrowing down your list.

You can also check out our Express Guide for Getting Started to help make some of those key decisions!

Bottom Line: Find a strategy and pick an appropriate card. You can also start with the Chase Sapphire Preferred® Card for general points or the Chase Slate® Card for credit building!

Part 9 Credit Cards
Finding the right card for you can take some work. It’s worth spending time doing some calculations and figuring it out, but don’t wait too long or you’ll miss out on points!

Additional Tips for Finding the Right Card

Don’t have a specific strategy, loyalty program, or card in mind yet? Like we’ve said before, you could always start with a no-annual-fee card to be safe. But remember that a no-fee card may have much weaker benefits than a paid card.

For those having trouble determining a place to travel and which card to get, you can get a card that earns general points and gives travel rewards, like the following:

When looking for cards, be sure to choose the one with the largest sign-up bonus that works for your goals.

Overall, it’s best to start by having an idea of your spending and going from there. Where are you spending your money and how much are you spending? Is that going to offset the cost of some of the cards you’re looking at?

After seeing where you spend the most, you can choose the card with the biggest sign-up bonus. The sign-up bonuses typically beat out what you will earn with regular spending for at least a couple years.

If you’re still looking for more information, try checking out this Forbes article for developing a first card strategy!

Example: Below are some credit cards The Millers use…

Part 10: Don’t Cancel Too Soon! >>

Photo Credits/Credit/Copyright Attribution:
Helpful tips Featured Image: Manczurov/Shutterstock
Credit Card Array: Oleksiy Mark/Shutterstock

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Apply Now

FAQ

What’s the best credit card to get as a first card?
We recommend first going through the steps to find a great travel destination, and then finding out how to get there. This gives you a good starting point for deciding on a credit card. See our travel goals planning guide.

At this point in your decision process, this may bring you to a specific airline or hotel card. If not, you might consider a bank rewards portal card that has great benefits and flexibility to help you get there. One excellent choice is always the Chase Sapphire Preferred® Card.

If you’re just trying to build credit, we recommend the Chase Slate® Card, which offers 0% APR, no annual fee, and your free FICO score.

Use the Card Match Tool to help you find pre-approved offers. Also check out our Express Guide for getting started.

Where can I find the best credit card offers?
We update our reviews regularly and try to find the best deals out there, so take a look around our homepage and credit card page to find some great deals.

Additionally, if you know what card you want, you can search for it online to see what deals are currently out there.

What are the top 10 credit cards out there right now?
We think the best credit cards are those featured in our top 10 page. We’ll update this page frequently since deals, benefits, and points values change often.

Which is the best credit card for airline miles?
This depends on which airline would be best for you given your situation and finances. There are many different cards with a variety of deals and benefits out there. Browse our credit cards for additional ideas.

Which is the best credit card for hotel points?
Again, this depends on what would be best for you in your personal situation. Check out our credit cards to see what hotel cards there are out there.

Which is the best cash-back credit card?
Finding a great cash-back credit card will depend on your finances and spending patterns. Check out our cash-back credit card lineup to find one that works for you.

Which is the best card for travel rewards?
Most of the credit cards we promote will give you travel rewards in some form or another. These may be points earned, sign-up bonuses, or fringe benefits. Check out our list of travel rewards cards to find one that may work for you.