Great Credit Cards for Young Adults to Build Health Credit Score

There are more people who open their first account and apply for credit card as soon as they graduate from high school and enter a university. Credit cards for young adults are a good way for them to start build healthy credit score that they can use in the future. It is also a good way to teach this young people the responsibility of managing their own money.

So, what kind of credit cards for young adults to choose from hundreds of options out there? Always look for the credit card that comes from reputable company, has reasonable rates (since most student don’t have steady income), no annual fee and many rewards to offer. Those are the basic thing that people need to look for their credit card.

Here is some example of good credit cards for young adults. There is Bank Americard for students, Citi Dividend Card for college students, discover it for students, Harley Davidson secured credit card and Journey student rewards from Capital One. Each of those cards has great features that the students can enjoy. But no matter what credit card that these young adults choose, always try to pay the bill in full or at least make the minimum payment each month. It will help them to build a healthy credit score in a year without have to worry for anything else.

Credit Card Guide for Beginner

What is credit card? This is the first question that people must ask before they apply for one of it. People can find credit card guide that they can use to help them to understand it better. Now let’s start from the very basic. Credit card is a card where people can use it to borrow some money to pay for things without have to have cash money in hand.

Is it worth it? That will be information of credit card guide that people need to know. For those who afford to pay its monthly bill along with its interest (it can be as high as 20%), then it could be very useful. But for those who already struggle with financial problem, they need to think it carefully because it means that they have more burdens in their already stretch budget.

A good credit card guide can help people to understand credit card in much better way. Remember that the basic thing about credit card is borrowing money and not everyone enjoys that kind of idea. But it can be very useful from time to time and with so many types of credit card out there, it is possible that someone find the right credit card that meet their situation.

Express Credit Cards Rewards

Bankruptcy is another reason why credit card issuer won’t approve people credit card application. But that doesn’t mean people with bankruptcy history can’t apply for credit card. Express credit cards are among several credit cards options that accept people with bankruptcy history. This credit card can be used for Express customer and it offer quite a lot rewards.

Those who use express credit card will receive 15% off on the first purchase, get $10 rewards every 2,500 points that people earned, 15 points for every dollar that people spend with this card and no annual fee. It seems like that this credit card offer many good thing to their cardholder. But of course, those who can enjoy all the good thing that it offer must be someone who shop in Express a lot or it will not worth it.

The only downside that some people comment about is the regular rate. It sits on higher ground, around 25% and some people may have problem with that. Compare to other store card, express credit card rate is a bit higher but it also comes with so many perks (they even give birthday present to the cardholder) that makes most Express customer feel that it’s totally worth it.

Enjoy the Features from Advantage Credit Cards

The Advantage credit card offer many good things to its owner. This credit card was issued by Citi, a company that has issued different kind of credit cards all these years. There are many advantages that people can enjoy from this credit card, depend on what type that they choose.

There are different types of Citi Advantage credit card to choose, from Citi Executive, Citi Platinum Select, Citi Business, Citi Gold and many more. While they come up with different types, most of them offer the same advantages. The biggest and the most well known advantages that they all have is the Advantage miles bonuses. Every type has this kind of bonus to offer although the total purchase and the total miles are different from one another.

Not every types of Advantage credit card is worth it. Those who want to apply for one Citi credit card need to consider every type, its pros, cons and other thing. The miles bonuses is the most interesting thing and compare it to another similar credit card, it is definitely worth it but what about other fees?  For those who travel a lot with American Airlines, this could be a good choice but if they don’t, then they need to look for other options.

Gift Credit Cards as Personal Presents

There are many items that people can choose as their personal presents for friends and relatives. One of the most popular items will be gift credit cards. But, what are actually gift cards and how do people use it as a gift?

Gift credits cards are cards that people can use to shop just like common type of credit cards. This card is loaded with certain amount of money that can be used to do multiple purchases as much as the total amount of money. In most cases, people can’t add more funds to their gift cards and as a gift it can be very valuable. As a presents, it’s the other form of giving other people certain amount of money in the form of prepaid card.

Depend on the gift credit cards type; it may only be used in specific places especially those cards that associated with specific retail store. As this card will not expired in less than five years, then it could be very useful to those who accept it but don’t want to use it right away. With many advantages that people can enjoy from this kind of credit card, it will be one of the best options to choose as a personal presents.