
You should avoid spending too much if you are a first credit card user. However, you must also ensure that you have enough money to pay for your purchases. Before applying for a credit card, you need to decide what purchases should be put on it and whether they should be paid in cash. Responsible use of a credit cards will allow you to build a positive credit score for the future.
It's easier to qualify for secured credit cards
Secured credit is one of the easiest credit card categories to obtain. They require a cash deposit that secures a line of credit, usually $500. These cards don’t typically require a credit rating, but you should still plan and make payments on time. Unlike unsecured cards, secured cards are often more flexible. You can cancel or upgrade them if you don’t use the money right away.
Secured credit cards are easy to qualify for and will help you build a strong credit history. Secured credit cards are often available with cash back or rewards that allow cardholders access to their purchases, and help build their credit. A security deposit can also help the credit card company if you default on payments. If you pay your bills on time, the security deposit will be refunded.
They offer great rewards
Many of these beginner credit card offer rewards on every purchase. These cards have a great advantage: they don’t require an annual charge, so you can earn cashback every time you make purchases. They also offer a path to an unsecured card in the future. Here are some things you should know.

Starter credit cards are designed for people without a great credit history. Many cards offer an introductory 0% APR period for twelve to fifteen monthly. Avoid interest charges by paying off your balance within the introductory period. There are many cards that offer lower interest rates than the introductory period. This can help you save significant money. You should not spend too much to reap the benefits. The rewards will not be worth what you can spend on the card. If you do, you will end up carrying a balance that will drain your savings and increase the amount of your debt.
They have a low interest rates
A beginner credit card is the best option for people who have little or no credit. They will help you build credit and teach you how credit can be managed responsibly. You'll pay less interest over the long-term because these cards have lower interest rates and promotional periods. You can also enjoy perks such reward programs.
Choosing the best beginner credit card requires some legwork. Compare offers from different credit cards companies, such your bank or credit Union. Take into account different perks, requirements, and variable APRs. Variable APRs with high premiums should also be considered. Pre-qualification is also a good idea, as it doesn't affect your credit score.
They offer trip interruption/cancellation/delay protection
This travel insurance helps you avoid the hassle of rebooking flights and hotels when things go wrong. The coverage will pay for non-refundable ticket cost and reimburse you for change fees. In the event of a delay up to six hours, reimbursements can be claimed. This benefit is available to you and any family members who are traveling with you. The coverage is only available for round-trip travel and can be used twice per year.
Many credit cards provide this coverage. You can choose according to your travel needs the credit card that is most suitable for you. Some credit cards have greater coverage than others.

They offer a waiver from collision damage on auto rental vehicles
Auto rental collision damage waiver protection is available through many credit cards. If your car is damaged or stolen, this coverage will pay you. The coverage usually covers the vehicle's actual cash value. The benefit isn't quite as comprehensive, however, as it does not include full liability coverage. Some credit cards also cover towing charges and lost use fees if they are issued by a rental company.
The Capital One Venture Rewards Credit Card offers auto rental collision damage waiver coverage. This coverage covers you for damages you cause while renting a vehicle, up to the actual car value. To qualify, the rental car must have a manufacturer's suggested retail price of $75,000 or less. The card does not cover rentals for more than 15 days or 31 consecutive day in your country. You can also stack rental car perks with Hertz.