You should have your strategy in place, or at least have an idea of what you want it to be. You’ve probably though 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.
Signing Up for Your First Credit Cards: Additional Tips
Table of Contents
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!
- Top 10 Cards
- Hotel Cards
- Airline Cards
- Travel Rewards Cards
- Business Cards
- Cash-Back Cards
- No Annual Fee Cards
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!
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…
- Chase British Airways Visa Signature® Card
- Main Reason: To earn a “Travel Together” ticket to fly both of us back to London in first class for 170k points + taxes & carrier fees!
- Chase Sapphire Preferred® Card
- Main Reason: 2x points on ALL travel and dining!
- Chase Ink Plus® Business Credit Card (Now replaced with the Chase Ink Business Preferred℠ Credit Card)
- Main Reason: Used for business transactions and buying gift cards from office supply stores for 5x points!