Choosing a credit card

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Dylan Petersen

• January 13, 2023 18:15

Hello,

I am looking for a credit card to help build credit. My score is around 700. I have never had a credit card so this process is intimidating. I would also like to build travel rewards if available. 

 

Thanks

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  Stacey N

  • January 13, 2023 22:31

  Hi Dylan!

  Thanks for reaching out to NerdWallet; I'm happy to offer some information about credit cards and building your credit!
  
  While we aren't able to provide personalized financial advice, I've gathered some resources here that you may find helpful:

  • NerdWallet's Credit Card Hub - Start your credit card search with ease
  • Using A Credit Card to Build Credit

  • How to Build Credit
  • A Guide to Travel Credit Cards for Beginners

   

  The 'Money Questions' section of the NerdWallet Community can also be great places to crowdsource ideas from other members who may have recent experience with this. Feel free to post your questions!

   

  Best,

  Stacey

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  CHRISTOPHER BATTISTA

  • January 20, 2023 19:46

  go to the credit card hub on nerd wallet. go straight to "best credit cards" and look at the required scores. you will see most are looking for a 680+.  pick one with no fees and run with it. building credit is not the same as cultivating rewards.

  In my experience (i have 10 cards now) your travel points won't work until you have built a better score 750+ and pay annual fees. that's why I go straight for cash rewards. spend my cash wherever i want and don't have to do any weird math to calculate my miles, points etc and don't have to figure out how much i spend annually just for the right to earn points. all my rewards are free.

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