Are you looking for a good starter credit card when moving to the US for work or as a college student? Here are the top 5 beginner cards to help build a solid credit score along with the exact steps to build credit from scratch.
One of the best ways to start building up your credit is through credit cards. Keep the following in mind when picking a beginner credit card:
- Annual fees
- Rewards
- Customer Service
Getting a credit card as an international student in college (F1 Visa) or a professional who recently landed (H1B visa) can be quite difficult if you don’t already have a credit history in the US. The best strategy would be to:
- Start with a secured credit card and use it responsibly
- Upgrade to an unsecured credit card
- Look into more premium credit credits once your score reaches 750+
💰 Become a Discover Cardmember and get a $100 Statement Credit https://refer.discover.com/s/ARJUN69
💰 Earn $200 cash back with Chase Freedom Unlimited/Freedom Flex
https://www.referyourchasecard.com/18a/8Y01CQSORG
American Express Blue Cash Everyday
https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday
Deserve Edu Mastercard
https://www.deserve.com/
Capital One Platinum
https://www.capitalone.com/credit-cards/secured-mastercard/
▶️ Watch this to better understand personal finance basics:
https://www.youtube.com/playlist?list=PLIkUlfH0qOz0OamK5g5quM2uqPiIstkKB
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DISCLAIMER:
The advice provided in this video is for informational/entertainment purposes only. The creators take no responsibility for any actions or decisions you may take based on the contents of the video. Please consult a professional for strategies related to your specific needs.
DISCLOSURE:
Some of the links in this description are promo links, meaning that I may receive a small commission when you sign up for these services.
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ABOUT US:
We want to share our stories and talk about lessons learned while first moving to America, planning our journey to financial literacy, and adopting best practices into our lives.
As internationals, it was difficult to find relevant resources to understand the aspects of life that were different in a new country. Some of us come from places that treat the path to success as a "competition" and as a result, we shy away from having open conversations about money.
This channel is a comfortable space to have those discussions and help each other out!
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