About Chase J. Credit Card Marketplace. Tips for choosing your first credit card. Can I be approved for a credit card with no credit history? Do I need a co-signer for my first credit card? What do I need to provide when applying for a credit card? If you are applying for a credit card, here are a few things you might need for your application: Proof of income pay stubs Social security number Valid ID or Passport Co-signer agreement if applicable Authorization for credit score inquiry Checking account information for processing any fees or payments How do I get a credit card for the first time?
You can expect the following steps throughout your application process: Decide which card is best for you: Consider the benefits, perks, interest rates and features that may come with the different types of credit cards available and narrow down which benefits, perks and features are most important to you.
Contact the card company to see if you pre-qualify: A soft inquiry a type of credit check that doesn't affect your credit score could help you determine if your credit score is high enough to apply for a certain card. Although pre-qualifications are not guarantees that you could be approved for a specific credit card, they may help you narrow down options for credit cards that align with your current needs.
Apply online: Once you're ready to apply for a credit card, review the credit issuer's website to learn about your options for applying online. Once approved, carefully read your cardmember agreement: Make sure you're aware of information like how to verify and use your card, how to submit a payment, billing information and details about your interest charges. Set up a finance or budget plan: Before using your credit card, be sure to have a plan or budget in place so that you don't spend more than you are able to pay off before the end of each payment due date.
This will allow you to avoid interest charges and helps prevent high balances or missed payments that could negatively affect your credit score. Low-Interest cards There are also low-interest credit cards that waive interest charges for a few months up to a year. Cash back rewards A cash back credit card offers opportunities to earn money back from select purchases, which may include school supplies, books, and electronics at select retailers and merchants.
Store credit cards First-time credit card applicants may find that store credit cards have flexible requirements when it comes to credit history. Find a credit card. Related Basics articles. What are credit card cash back rewards? What is debt to income ratio and why is it important?
Discover is a great card issuer for beginners — in fact, my first credit card ever was a Discover it Cash Back credit card that I applied for in college. Related: Throwback: TPG staff talk about their first credit cards. These cards are easier to be approved for than their annual-fee counterparts, but they still come with solid rewards rates and no foreign transaction fees. The VentureOne specifically is great for beginner travelers who are searching for their first travel credit card.
If your credit score is less-than-stellar, you may be hard-pressed to find a lot of unsecured credit cards that are easy to be approved for. However, there are a few on the market that offer some benefits for those looking to rebuild their credit score over time.
Related: The 6 best starter cards for building your credit. If you have a lower credit score, the Credit One Bank Platinum Visa for Rebuilding Credit offers a way for you to repair your credit score over time while still offering you some of the benefits you get with a rewards credit card.
Check out our guide to Credit One Bank credit cards for more details. Capital One will automatically monitor your credit line after six months with the potential to increase it. A higher credit limit can help lower your overall credit utilization and improve your credit score. Related: The best Capital One credit cards of If you have a bad credit score, your only option may be a secured credit card. Secured credit cards are easiest to be approved for because they are less risky for card issuers.
You pay a deposit that acts as your line of credit. While secured cards rarely come with a way to earn rewards, they are a good way to rebuild your credit so that you can eventually apply for better rewards credit cards, be approved for other types of credit such as a mortgage or car loan and more.
The card also allows you to change your payment due date once per year to help you align your bill due dates with your schedule. Check out our guide to the best secured credit cards for more details. The Discover it Secured is one of the only secured credit cards out there that earns rewards. Check out our guide to Discover credit cards for more details. The best value will come from redeeming your rewards towards future Hyatt stays. The card also grants automatic Silver Elite status, which comes with limited benefits including bonus rewards on stays and late checkout on every stay.
Welcome Bonus: 3 Free Nights each night valued up to 50, points after qualifying purchases plus 10X total points on eligible purchases in select categories. Other Benefits and Drawbacks: Although the card offers outsized rewards when staying at an IHG property, rewards are lackluster when used on other purchases. Your earnings get their best value when redeemed for IHG stays.
If you want options outside of future bookings, other travel cards may provide better returns. The card also has a robust set of benefits for travel on United and for other travel-related expenses. Rewards: 4 miles per dollar on United purchases, 2 miles per dollar on all other travel, dining at restaurants and eligible delivery services and 1 mile per dollar on all other purchases.
Other Benefits and Drawbacks: Other United benefits include premier access to check-in and boarding and two free checked bags for the cardholder and one companion when you use your card to pay for your flight. United purchases are defined as tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Read the full United Club Infinite Card review. Rewards: 2 miles per dollar on dining including eligible delivery services, hotel stays and United purchases and 1 mile per dollar on all other eligible purchases.
The card earns extra miles on United flights and a wide swath of spending, plus comes with perks like a free checked bag, two United Club passes annually and priority boarding. Card ownership also includes travel and purchase protections and free employee cards. Redemptions are generally worth the most when used towards future flights on United or partner airlines, although there are other options including booking hotels, cars and cruises or upgrading existing tickets.
Rewards: 3 points per dollar on Southwest purchases, 2 points per dollar on Rapid Rewards hotel and car rental partner purchases, 2 points per dollar on local transit and commuting, including rideshare, 2 points per dollar on internet, cable, phone services and select streaming and 1 point per dollar on all other purchases. Welcome Offer: up to , bonus points. Other Benefits and Drawbacks: We like Southwest because of its straightforward method of redemption: the cost of flights when booking with points is pegged to the cost of flights in cash.
This means you are not fruitlessly searching for award flight availability on peak dates. Rewards: 4 points per dollar spent on Southwest purchases, 3 points per dollar spent on Rapid Rewards hotel and car rental partners, 2 points per dollar spent on local transit, commuting, social media, search engine advertising, internet, cable, and phone services. Other Benefits and Drawbacks: The card offers a wide array of benefits that, if fully utilized, can make the annual fee worthwhile. Consider also that the welcome bonus gets you more than halfway to a coveted Companion Pass , a perk that lets you bring a friend to fly for free except for taxes and fees for the remainder of the year in which you earned it plus the entire following calendar year.
And the chance for bigger spenders to earn a companion ticket adds to the appeal for anyone who frequently crosses the pond. Earn 3 Avios per dollar on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus, earn 1 Avios per dollar on all other purchases. Other Benefits and Drawbacks: British Airways flights are notorious for their high taxes, fees and carrier charges.
The card comes with some credits to help offset that expense in the form of statement credits when you book a reward flight to London and pay those charges with the card. The Amazon Prime Rewards Visa Signature Card has a number of benefits making it great for travel including no foreign transaction fees, travel accident insurance and baggage delay insurance.
There are a few steps you should take before canceling a credit card from any issuer. If your new credit card came with a sticker on it and a phone number to call to activate your account, you can choose to activate it that way. Or, you can call Chase cardmember services at and ask them to activate your card. You can go to the Chase credit card pre-qualify page and enter some basic information including your name, address and the last four digits of your Social Security number.
This will allow Chase to do a soft pull on your credit history to see what types of credit card offers you might be eligible for. You can pay a Chase credit card bill by phone, by mail, online or in person at a Chase branch. To make a payment by phone, call Chase at Your digit Chase credit card number is imprinted on your card, either on the front or on the back depending on which card you have.
To find your number without your card, you can log into your Chase account and select the most recent credit card statement. Chase has a broad portfolio of cards ranging from ones that are good for those new to credit to luxury travel cards.
The best Chase card for you will depend on a mix of factors including your credit score, what your goals are with a new Chase card and your willingness to maximize any benefits that may be offered with a card. If you are a current Chase customer, you can also check your status online by logging into your account, clicking on the menu icon in the upper left corner, then scrolling down to Application Status for information. After being approved for a new Chase credit card, it typically takes between 3 and 10 business days for your new physical card to arrive in the mail.
Note that the day you are approved is the day your account is officially open, not the day you receive your card. You may also be subject to a one-time cash advance fee as well as any ATM fees associated with the transaction.
Typically, getting a cash advance on your credit card is an expensive way to access cash quickly. You may want to consider other options to access cash before turning to a cash advance.
Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney.
Follow her on Twitter at robinsaks. Select Region. United States. United Kingdom. All ratings are determined solely by our editorial team. Robin Saks Frankel. Forbes Advisor Staff. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Read more. Find the Best Credit Card. Click Here To Apply Now. Forbes Advisor created additional star ratings so that you can see the best card for specific needs.
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Regular APR Why We Picked It. No annual fee.
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