So for someone who's never had one and is trying to build credit what's a good card to start with. Recently bought a car and had some kinda a headache because I had no credit.

Get one with no annual fee. Interest rate isnt that important. Just never use it to borrow money. If you NEED to borrow money do it at your bank. So much cheaper its hard to believe. Pay it off every month. You also should use it every month.

Capitol One is an okay credit card. Buy stuff with a credit card and pay it off every month before your payment is due. Don't make the mistake of ever paying the credit card companies interest, unless absolutely necessary. Most people idiotically buy stuff with a credit, that they want now, that they don't really need and can't afford and pay much more than the purchase price in interest. People need more self control when purchasing.

Keith

What ever card you get, use it regularly even if it is just for small purchases and pay it in full every month. If you can, pay it well before the due date.

Those 2 things will help you build credit.

you should definitely not pay any fees

honestly most any will do

my first was a Visa from my home town bank

as soon as I got that sears wanted to give me a card they had a deal where if they rejected you you got 10 dollars off your purchase , the very next time after I had a card they approved me I had been using that for 10 dollars of several tool purchases. it was a different time sears was were you went for tools.

something that earns rewards if you can

I assume Lowe's has a card or HD you get one of theirs , and get some deals on 6 months no interest , but you make sure to pay it off. they hit you with 23% if you don't

Capitol one will probably be easiest to get.You can also get a secure credit card to help build your credit you have to give the card company 300 to 500 dollars upfront and that’s will be your credit limit.I suggest you pay your card every time they post a charge.Almost all card companies have account online to make your payments and see your activity.

Request information for any credit card and you will be inundated with every credit card offer ever created by mankind! You will have plenty information to make a decision for your needs.

I personally wouldn't pay any fees. And wissmiss' advice is what I have always done...

I personally disagree with paying off your credit card every time you charge something. Doing that doesn’t show the credit agencies you are capable of managing your money. It only shows them you have money available at the time you made that purchase.

Let your charges accumulate for a month. Then a week to 10 days after the statement closing date, pay the full amount. Start small so you don’t get in over your head. Then gradually build up the amount you charge. Use your card on a regular basis, even if you have cash in your pocket. That is the way you build credit.

As others have said, you shouldn’t have to pay a fee to have the card. Lots ands lots of cards available for no fee. Read the fine print.

Check out Dave Ramsey, I wish I had started this 10 years ago.

Go to credit karma they will show you the best ones for you. I went with Chase no fee and get rewards. Get one with no fee. Use your card either for gas or a small bill (like auto insurance). I pay my off right away.
Warning; if you get a cc your credit will drop significantly right away because you now have 2 more debts than before. But the good thing is it will help you down the road.

Common theme of good advice: 1. Use it regularly. 2. Pay it off every month. My wife and I have a Cabela's card through Capital One. We've been happy with it, no issues for the past 5 years or so that we've had it. Their online feature is convenient to make payments, check purchase history, statements, reward points, etc. No annual fees and 3% rewards with Cabela's/Bass Pro Shops and 1% rewards for all other purchases. It doesn't sound like a ton but it adds up. It's nice having $600-$700 of "free" reward money each year to spend at Cabela's or Bass Pro.

My advice is to talk to a personal banker at your bank. Credit cards are a way to build credit, but they're not the only way or necessarily the best way. When I decided I wanted to buy a house at 24, I sat down with my personal banker and said "what do I need to do." On her advice I took several steps over the next 6 months that improved my credit immensely and helped me a ton on my mortgage approval and interest rates. It's usually worth talking to professionals.

Airport trapper and adam have great advise.

Look into navy federal fcu you should be able to get ine from them.

If your to cheap to get dave Ramsey book pm ne your address ill send you one. Ive bought several copies of automatic millionaire for my kids when they hit 18. Don't have to follow every thing but it gives you the info to make decisions you can live with.

Its too bad they dont really teach personal finance in high school along with filling out taxes and applying for college funds.

Like button.

My wife is a branch manager and likes these types of requests for young people.

If you don't need one don't get one, period. You can build credit without a credit card. Paying your car payment on time will build your credit. I never had a credit card until I started my business and then it was just a gas card. I carry a debit card and use it as a credit card but I am using my own money.

Most, but not all people, aren't disciplined enough to pay their card off every month, or to not splurge on unnecessary items with their card.

I have a scheels credit card. I only use it for gas and pay it off every month, so it essentially costs me nothing. And, I get rewards points,so every once in a while I get a $25 gift card to use for ammo and such. I'm basically getting paid $25 every couple months to use the card.

I own businesses and have several cards. My best is my Sam's Club card which is a mastercard. It pays back for use in the form of a cash back value. I use it for everything. Literally gas, groceries, everything. Everything I can afford to pay off at end of month that is! Pay no interest and last annual payback got over two grand cash back.

Do what Keith C and atrapper said. Use it regularly, pay off EVERY bill when or before it is due. A credit card is NOT free money, it is a convenient tool to use spending the money you have. If you follow this advice eventually you will be offered a card with a rebate option. Don't fall for the free airline miles or any other option other than a cash rebate. Then use it for all the purchases you can and reduce the cost of what you buy by the rebate percentage (typically 1 to 1.5%). That includes your bill for cell service, TV satelite service, water bill, etc. Just check that the provider doesn't charge a penalty fee for card usage. Over time it adds up.

I’d go get some advice from Dave Ramsey before I got a credit card if I were you.....

Money you cant see is easy to spend, Only CC i carry is the company I work for's fuel card.