I’m a college student and I need to start building my credit but I don’t know where to start. I don’t plan on using the card for any big purchases. Just day to day things like my groceries or gas. What is the best card for a beginner? And is there anything else I should know as I start my credit journey? Edit template:

• Current credit cards you are the primary account holder of: N/A

• FICO Scores with source (see note on FICO score sources below): N/A

• Oldest credit card account age with you as primary name on the account: N/A

• Number of personal credit cards approved for in the past 6 months: N/A

• Number of personal credit cards approved for in the past 12 months: N/A

• Number of personal credit cards approved for in the past 24 months: N/A

• Annual income $: 18,000 ish CATEGORIES

• OK with category-specific cards?: Yes

• *OK with rotating category cards?: Yes

• Estimate average monthly:

• * Dining $: $50

• * Groceries $: Kroger- $250 Target- $30

• * Gas $: $160

• * Travel $: $50-100 put into savings a month

• * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No

• * Subscriptions: Phone- $42. Insurance $9.52

• * Can you pay rent by credit card? No

• MEMBERSHIPS & SUBSCRIPTIONS

• * Current member of Amazon Prime?: No

• * Current Verizon postpaid customer?: Yes $42

• * Current member of Costco or Sam's Club? No

• * Planet Fitness- $15.99. Hulu $2.99. Peacock $1.99. Insurance $9.52.

• * Current member of Chase, US Bank or any other big bank?: No

• * Active US military?: No

• * Are you open to Business Cards?: No

• PURPOSE

• * What's the purpose of your next card (choose ONE)?: First Credit Card

• * If you answered "first credit card", are you an authorized user on any other cards? No

• * Do you have any cards you've been looking at? Capital One student card I’d also like to add I am moving into my first apartment in a few weeks. Grocery cost is an estimation as I have living with my family. Wasn’t sure where to put this but my rent is $890/month. Thank you for all of your advice!

Recently started my first job after grad school and I'm looking to get my first (real) credit card and to likely switch banks as well. Been looking into Capitol One because I'm based out of Northern Virginia and their headquarters is here, but also been looking at Chase and others.

I currently have a credit card with TD Bank (who I also bank with) but it was only to build a credit score. I'd generally prefer to keep my credit and banking together for the ease of things. However, I'm open to also doing several cards through the same company.

Not sure if it matters significantly but I'm making about $95,000/year. I'm also not traveling a whole lot so I can't imagine travel rewards will be too important.

Hey all,

I'm looking to get my first credit card. I've been doing some research to find a good one to open up. I currently bank with Wells Fargo and SECU. I've been told looking at credit cards with your banks first is a good rule of thumb. I want to try and find one that doesn't have a very high interest rate, but I don't plan on spending large amounts on it. I just want to start building my credit through my every day purchases like rent, gas, and groceries. Something with cash back would be nice and I don't do a whole lot of traveling so I'm not interested in anything with miles or points for traveling. I've seen a couple that offers points over cash back, but I'm not sure what they goes towards. Is getting a card that values points worth it if you don't travel a lot?

I would just like a few suggestions for credit cards or tips on how to get started. Any help is appreciated. Thank you!