Personal Finance Credit Cards
Written by Holly Johnson; edited by Katherine Fan; reviewed by Angela Fung
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it® Student Chrome
- Chase Freedom Rise℠
- Capital One VentureOne Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
- Discover it® Student Cash Back
- Discover it® Secured
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Firstcard® Credit Builder Card with Cashback for College Students
- FAQs
- Why You Should Trust Us
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Rise℠. The details for these products have not been reviewed or provided by the issuer.
Best Credit Cards for Beginners in July 2024
- Best cash back credit card: Capital One QuicksilverOne Cash Rewards Credit Card
- Best for 0% intro APR: Discover it® Student Chrome
- Best Chase student credit card: Chase Freedom Rise℠
- Best travel rewards credit card: Capital One VentureOne Rewards Credit Card
- Best for student dining, groceries, and entertainment: Capital One SavorOne Student Cash Rewards Credit Card
- Best student card for rewards: Discover it® Student Cash Back
- Best secured credit card: Discover it® Secured Credit Card
- Best for building credit: Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Best for international students: Firstcard® Credit Builder Card with Cashback for College Students
Introduction to Best Credit Cards for Beginners
If you have low or minimal credit history, this guide will provide you with several options for your best first credit card. Our list of the best credit cards for beginners includes recommendations for young adults entering the credit world, including a Discover student credit card and a Chase student credit card.
Here are some of the best starter credit cards to consider if you're a credit beginner, including several that earn travel and cash back rewards.
Compare the Best Credit Cards for Beginners of July 2024
Best for cash back
Capital One QuicksilverOne Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.1/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$39
Intro APR
N/A
Regular APR
29.99% variable
Intro Offer
N/A
Recommended Credit
Average, Fair and Limited
Pros
- Earn 5% back on Capital One Travel hotel and car rental bookings and 1.5% on everything else
- You're eligible to apply with limited or average credit
- You'll automatically be considered for a higher credit line in as little as six months
Cons
- No welcome bonus
- Annual fee
- High APR for purchases and balance transfers
Insider’s Take
The Capital One QuicksilverOne Cash Rewards Credit Card could be the right choice for you if you're building your credit history. You could be able to qualify for the card even if you don't have an excellent credit score, and you'll earn at least 1.5% cash back on your purchases.
QuicksilverOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Best for introductory APR
Discover it® Student Chrome
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.6/5
Perks
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR for six months on purchases
Regular APR
18.24% - 27.24% Variable
Intro Offer
Unlimited Cashback Match™ – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Fair/New to Credit
Pros
- Earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases
- Discover matches cash back after your first account year
Cons
- Low cap for earning 2% cash back (up to $1,000 per quarter in combined purchases at gas stations and restaurants)
- Other cards offer better cash-back rates
Insider’s Take
The Discover it® Student Chrome is a great starter credit card to help you build credit while learning how to responsibly use a credit card. It's worth noting that this student credit card is nearly identical to the regular Discover it® Chrome in almost every way, with the addition of a few student-specific perks.
Discover it Student Chrome review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Best if you bank with Chase
Chase Freedom Rise℠
Read Review
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
26.74%
Intro Offer
N/A
Recommended Credit
No credit history
Pros
- Good cash-back earning rate on all purchases
- No-annual-fee
- Possible to be approved if you’re new to credit
Cons
- Requirement to open a Chase checking account with a minimum balance of $250 to increase likelihood of approval
- Modest welcome bonus requires setting up autopay
- Foreign transaction fees
Insider’s Take
The Chase Freedom Rise℠ card offers a new opportunity to build credit with a credit card, and it's specifically designed for new-to-credit consumers like young adults and college students. This no-annual-fee credit card earns 1.5% cash back on all purchases, and if you enroll in autopay within the first three months of account opening, you'll earn a $25 statement credit.
Chase Freedom Rise review External link Arrow An arrow icon, indicating this redirects the user."
Best for travel rewards
Capital One VentureOne Rewards Credit Card
On Capital One's website
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.95/5
Perks
Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
20,000 miles after spending $500 on purchases within three months from account opening
Earn 20,000 miles
Recommended Credit
Good to Excellent
Pros
- No annual fee or foreign transaction fees
- Versatile rewards
- Earn 1.25 miles per dollar on all purchases with no bonus categories to track
Cons
- Lower earning rate than some other no-annual-fee rewards cards
- Limited benefits
Insider’s Take
The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.
VentureOne Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Best student card for maximizing rewards
Discover it® Student Cash Back
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro APR
0% intro APR for six months on purchases
Regular APR
18.24% - 27.24% Variable
Intro Offer
Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Fair/New to Credit
Pros
- From July 1 to September 30, 2024, you can earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%
- Discover matches your cash back after the first year
Cons
- Not the most rewarding cash-back card for non-bonus purchases
Insider’s Take
The Discover it® Student Cash Back is a great choice if you're a student with limited credit history and want to earn a strong rate of cash back on your everyday spending without paying an annual fee.
Discover it Student Cash Back review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Best for students who spend on dining, groceries, and entertainment
Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.05/5
Perks
Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on Capital One Entertainment purchases. Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
19.99% - 29.99% Variable
Intro Offer
$50 cash bonus once you spend $100 on purchases within three months of account opening
Earn a $50 cash bonus
Recommended Credit
Average, Fair, Limited
Pros
- Good welcome bonus with an easy spending requirement
- Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
- No annual fee or foreign transaction fees
Cons
- Only available to college students
Insider’s Take
The Capital One SavorOne Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.
SavorOne Student Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Best secured credit card
Discover it® Secured Credit Card
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.6/5
Perks
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
28.24% Variable
Intro Offer
Unlimited Cashback Match™ – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
New/Rebuilding
Pros
- Offers cash-back rewards, which isn't a given for secured credit cards
- Discover matches cash back after your first account year
Cons
- Other secured cards let you start with lower minimum security deposits
- You must fund the security deposit from a bank account
Insider’s Take
The Discover it® Secured Credit Card is worth considering if you're new to credit or are working on rebuilding your score, since it's unlikely you'll be approved for any of the best credit cards on the market. It's unique because it earns strong rewards when most other secured credit cards do not.
Discover it Secured Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Best for building credit
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3/5
Perks
Earn up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Earn 1% cash back on eligible purchases right away. Earn 2% - 10% cash back at select merchants.
Annual Fee
$0
Intro APR
N/A
Regular APR
18.24% - 32.24% Variable
Intro Offer
N/A
Recommended Credit
No credit and limited credit to Excellent
Pros
- No fees
- Earn 1% cash back on every purchase. Earn 1.25% back after making six on-time payments. Then, earn 1.5% back after making 12 on-time payments on your card
- You can build credit with responsible credit use
Cons
- N/A
Insider’s Take
If you have a limited credit history, the Petal® 2 "Cash Back, No Fees" Visa® Credit Card, issued by WebBank, may be easier to qualify for. The card doesn't charge any fees and offers between 1.00% - 1.50% cash back on everyday purchases, making it one of the best credit cards for bad credit. If you've already got a good credit score, though, you should consider a different rewards credit card with better earnings and benefits.
Petal 2 Visa Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Best for international students
Firstcard® Credit Builder Card with Cashback for College Students
On Firstcard's website
Perks
Earn up to4.25% APY and build your credit score without worrying about overspending. No credit checks and no credit history required to open the card. Firstcard users are eligible to apply for Firstcard's $10,000 Student Scholarship.The application deadline is September 30.
Annual Fee
$0
Intro APR
N/A
Regular APR
0%
Intro Offer
N/A
Recommended Credit
No credit history
Pros
- No prior credit history required
- Available to international applicants who don't have a Social Security Number
- No annual fee, no interest, account minimums, and no overdraft fees.
- Earns up to 15% cash back with some retailers
- Earn interest on the money you use to secure the card
Cons
- Requires a cash deposit equal to the credit limit you want
- Customer service offered via email only (no phone number)
Product Details
- A whole new way to build credit: build your credit score without worrying about overspending.
- No credit checks and no credit history are required to open a credit card
- Accept international students without an SSN – apply with a passport.
- No annual fee, no account minimum, no interest, and no overdraft fee.
- Get a monthly 5% cashback on 12 most-loved educational platforms for students such as ChatGPT, Chegg, Grammarly, Canva, Adobe, Headspace and more.
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying purchases
- Earn 1.25% APY with Firstcard or 4.25% APY with Firstcard+ on the money in your Firstcard.
- Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings (Merchant Cashback and Random Cashback) all Firstcard members are currently enjoying.
- Monitor your credit score right in the app with Firstcard+
- Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet.
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government).
Best First Credit Card Reviews
It can be daunting to build credit from scratch, but the right credit card can help you do so with ease — and even earn some rewards along the way.
Business Insider's credit experts have created a step-by-step guide that shows you how to apply for a credit card and learn how to improve your chances of approval if you've never opened a card before. You can check your credit score online for free. From there, you can determine which credit card can help you build lasting credit.
Once you've armed yourself with the knowledge you need, refer to this guide for the best first credit cards of 2024, as chosen by Business Insider experts.
Best for Cash Back: Capital One QuicksilverOne Cash Rewards Credit Card
Introductory APR: N/A
Annual Fee: $39
Rewards: Earn unlimited 1.5% cash back on all purchases.
According to Capital One, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with "average" credit, which makes the card attainable for people with limited credit, or anyone who has made credit mistakes in the past.
You'll be able to earn 5% cash back on hotels and rental cars booked through Capital One Travel and a flat 1.5% cash back for each dollar you spend on other purchases with this card. That's not bad for a rewards credit card, and it's especially good for cards available to consumers with average credit.
Capital One also promises to reconsider your credit limit and potentially boost it after you've made six on-time payments on your credit card. This card also comes with no foreign transaction fees and several benefits, which is a lot more than many credit cards for average credit offer (rates and fees).
Read more in our Capital One QuicksilverOne card review.
Best for cash back
Capital One QuicksilverOne Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.1/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$39
Intro APR
N/A
Regular APR
29.99% variable
Intro Offer
N/A
Recommended Credit
Average, Fair and Limited
Pros
- Earn 5% back on Capital One Travel hotel and car rental bookings and 1.5% on everything else
- You're eligible to apply with limited or average credit
- You'll automatically be considered for a higher credit line in as little as six months
Cons
- No welcome bonus
- Annual fee
- High APR for purchases and balance transfers
Insider’s Take
The Capital One QuicksilverOne Cash Rewards Credit Card could be the right choice for you if you're building your credit history. You could be able to qualify for the card even if you don't have an excellent credit score, and you'll earn at least 1.5% cash back on your purchases.
QuicksilverOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Best for 0% Intro APR: Discover it® Student Chrome
Introductory APR: 0% intro APR for six months on purchases, then 18.24% - 27.24% Variable APR
Annual Fee: $0
Rewards: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases
If you want to save money with low interest for a limited time, look into the Discover it® Student Chrome. This Discover student credit card starts you off with a 0% intro APR for six months on purchases, then a 18.24% - 27.24% Variable APR.
You'll also earn 2% cash back on your first $1,000 in combined purchases each quarter (then 1%) at gas stations and restaurants, plus 1% back on everything else you buy. Discover will also match all the rewards you earn after the first year.
If you're torn between the two Discover student cards, read our comparison of the Discover it Student Cash Back and Student Chrome for a closer look at both cards.
Read more in our Discover it Student Chrome card review.
Best for introductory APR
Discover it® Student Chrome
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.6/5
Perks
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR for six months on purchases
Regular APR
18.24% - 27.24% Variable
Intro Offer
Unlimited Cashback Match™ – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Fair/New to Credit
Pros
- Earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases
- Discover matches cash back after your first account year
Cons
- Low cap for earning 2% cash back (up to $1,000 per quarter in combined purchases at gas stations and restaurants)
- Other cards offer better cash-back rates
Insider’s Take
The Discover it® Student Chrome is a great starter credit card to help you build credit while learning how to responsibly use a credit card. It's worth noting that this student credit card is nearly identical to the regular Discover it® Chrome in almost every way, with the addition of a few student-specific perks.
Discover it Student Chrome review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Best Chase student credit card: Chase Freedom Rise℠
Introductory APR: N/A
Annual Fee: $0
Rewards: Earn unlimited 1.5% cash back on purchases
The Chase Freedom Rise℠ should be on your shortlist if you're completely new to credit cards, because it's geared specifically toward people with no credit history at all. This no-annual-fee card earns 1.5% cash back on all purchases, which is a solid rate of return for a starter credit card.
Chase credit cards are incredibly powerful because they earn Chase Ultimate Rewards®, some of the most highly valued points you can earn in the credit card rewards ecosystem. Business Insider values Ultimate Rewards at 1.8 cents apiece on average, and you can get far more from each point through Chase travel partners.
Chase Freedom Rise℠ cardholders can only redeem rewards for cash back, statement credits, gift cards. But if you open one of several best Chase cards after boosting your credit score, you can combine your points and use Ultimate Rewards to book business- and first-class flights worth thousands of dollars for as little as $5.60 in cash.
To improve your chances of approval for the Chase Freedom Rise℠, you should have or open a Chase checking account with a $250 balance within two days of applying for the card. You won't need to maintain a minimum checking account balance after approval.
Read more in our Chase Freedom Rise review.
Best if you bank with Chase
Chase Freedom Rise℠
Read Review
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
26.74%
Intro Offer
N/A
Recommended Credit
No credit history
Pros
- Good cash-back earning rate on all purchases
- No-annual-fee
- Possible to be approved if you’re new to credit
Cons
- Requirement to open a Chase checking account with a minimum balance of $250 to increase likelihood of approval
- Modest welcome bonus requires setting up autopay
- Foreign transaction fees
Insider’s Take
The Chase Freedom Rise℠ card offers a new opportunity to build credit with a credit card, and it's specifically designed for new-to-credit consumers like young adults and college students. This no-annual-fee credit card earns 1.5% cash back on all purchases, and if you enroll in autopay within the first three months of account opening, you'll earn a $25 statement credit.
Chase Freedom Rise review External link Arrow An arrow icon, indicating this redirects the user."
Best for Travel Rewards: Capital One VentureOne Rewards Credit Card
Introductory APR: 0% intro APR for six months on purchases, then 18.24% - 27.24% Variable APR
Annual Fee: $0
Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.
The Capital One VentureOne Rewards Credit Card is typically only available to consumers with good credit or better, but it's important to note that a good FICO score typically starts in the 670+ range. If you can qualify, this card can serve as a starter travel credit card that can help you get accustomed to earning this type of rewards.
Once you sign up, you'll earn a flat 1.25 miles for each dollar you spend. You can also earn 20,000 miles after spending $500 on purchases within three months from account opening. On the redemption side of the equation, you can redeem Capital One milesfor any type of travel at a rate of 1 cent apiece, or for transfers to airline and hotel partners. This card also comes with no annual fee and no foreign transaction fees (rates and fees).
Read more in our Capital One VentureOne Rewards card review.
Best for travel rewards
Capital One VentureOne Rewards Credit Card
On Capital One's website
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.95/5
Perks
Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
20,000 miles after spending $500 on purchases within three months from account opening
Earn 20,000 miles
Recommended Credit
Good to Excellent
Pros
- No annual fee or foreign transaction fees
- Versatile rewards
- Earn 1.25 miles per dollar on all purchases with no bonus categories to track
Cons
- Lower earning rate than some other no-annual-fee rewards cards
- Limited benefits
Insider’s Take
The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.
VentureOne Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Best for Student Dining, Groceries, and Entertainment: Capital One SavorOne Student Cash Rewards Credit Card
Introductory APR: N/A
Annual Fee: $0
Rewards: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
If you're a college student who likes to go out, the Capital One SavorOne Student Cash Rewards Credit Card is hard to beat. Cardholders earn 3% cash back on dining, groceries, entertainment, and eligible streaming services with no limits, and 1% cash back on all other purchases. In addition, until November 14, 2024, cardholders earn 10% back on Uber and Uber Eats purchases, and can enroll for a complimentary Uber One membership.
This card is extra appealing because it offers a welcome bonus offer of $50 cash bonus once you spend $100 on purchases within three months of account opening. It's possible to qualify with limited credit, so if you're new to credit cards it's a solid choice.
You'll also receive surprisingly good benefits for a no-annual-fee student card, including:
- Price protection
- Extended warranty
- Car rental coverage
- Roadside dispatch
- Travel accident insurance
- Complimentary concierge services
Read more in our Capital One SavorOne Student Cash Rewards credit card review.
Best for students who spend on dining, groceries, and entertainment
Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.05/5
Perks
Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on Capital One Entertainment purchases. Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
19.99% - 29.99% Variable
Intro Offer
$50 cash bonus once you spend $100 on purchases within three months of account opening
Earn a $50 cash bonus
Recommended Credit
Average, Fair, Limited
Pros
- Good welcome bonus with an easy spending requirement
- Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
- No annual fee or foreign transaction fees
Cons
- Only available to college students
Insider’s Take
The Capital One SavorOne Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.
SavorOne Student Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Best Student Card for Rewards: Discover it® Student Cash Back
Introductory APR: 0% intro APR for six months on purchases, then 18.24% - 27.24% Variable APR
Annual Fee: $0
Rewards: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Students who like to maximize rewards should consider the Discover it® Student Cash Back, which is typically available to consumers who don't have an extensive credit history.
Once you're approved, you can enroll to earn 5% cash back up to a quarterly maximum limit spent on purchases in categories that rotate each quarter, plus 1% back on everything else (from July 1 to September 30, 2024, earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%). Like other cash-back credit cards from Discover, this card will also match all the rewards you earn at the end of the first account year.
This card also lets you see your credit score for free each month, and you'll get Social Security Number monitoring, zero fraud liability, and no late fee on your first late payment (then up to $41). Consider signing up if you want to earn rewards and build credit at the same time without an annual fee.
Read more in our Discover it Student Cash Back card review.
Best student card for maximizing rewards
Discover it® Student Cash Back
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro APR
0% intro APR for six months on purchases
Regular APR
18.24% - 27.24% Variable
Intro Offer
Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Fair/New to Credit
Pros
- From July 1 to September 30, 2024, you can earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%
- Discover matches your cash back after the first year
Cons
- Not the most rewarding cash-back card for non-bonus purchases
Insider’s Take
The Discover it® Student Cash Back is a great choice if you're a student with limited credit history and want to earn a strong rate of cash back on your everyday spending without paying an annual fee.
Discover it Student Cash Back review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Best Secured Credit Card: Discover it® Secured Credit Card
Introductory APR:28.24% Variable APR
Annual Fee: $0
Rewards: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%) and 1% cash back on all other purchases
If you have poor credit or no credit history at all, you may need to get started with a secured credit card. Unlike unsecured credit cards that extend a line of credit without collateral, secured cards require a small cash deposit upfront in order to secure an equally small line of credit.
The Discover it® Secured Credit Card is widely considered to be one of the best secured credit cards because, unlike other cards in this niche, it doesn't charge an annual fee or any hidden fees. You'll also earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%), as well as 1% back on all other purchases. Discover will also match all the rewards you earn at the end of your first account year.
Other top benefits include a free look at your FICO score each month, zero liability for fraudulent purchases, and no late fee on your first late payment (then up to $41). With this card, automatic reviews start at seven months to see if Discover can transition you to an unsecured line of credit and return your deposit.
Read more in our Discover it Secured credit card review.
Best secured credit card
Discover it® Secured Credit Card
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.6/5
Perks
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
28.24% Variable
Intro Offer
Unlimited Cashback Match™ – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
New/Rebuilding
Pros
- Offers cash-back rewards, which isn't a given for secured credit cards
- Discover matches cash back after your first account year
Cons
- Other secured cards let you start with lower minimum security deposits
- You must fund the security deposit from a bank account
Insider’s Take
The Discover it® Secured Credit Card is worth considering if you're new to credit or are working on rebuilding your score, since it's unlikely you'll be approved for any of the best credit cards on the market. It's unique because it earns strong rewards when most other secured credit cards do not.
Discover it Secured Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Best for Building Credit: Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Introductory APR: N/A
Annual Fee: $0
Rewards: Earn up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Earn 1% cash back on eligible purchases right away. Earn 2% - 10% cash back at select merchants.
The Petal® 2 "Cash Back, No Fees" Visa® Credit Card (card issued by WebBank) could be ideal for anyone who wants to build good credit that lasts. This card comes with a minimum credit limit of $500, although there's no annual fee and no fees on late payments. You'll earn a flat 1% back on all your eligible purchases for the first year, but you have the opportunity to graduate to 1.5% back after you've made 12 on-time payments on your credit card.
This card also reports to all three credit bureaus — Experian, Equifax, and TransUnion — like the other cards on our list, so it can help you build credit as your purchases and payments are reported. You'll also get access to the powerful Petal® 2 "Cash Back, No Fees" Visa® Credit Card Card app, which can help you manage your money better, track your spending, and stay on top of all your bills.
Read more in our Petal 2 Visa credit card review.
Best for building credit
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3/5
Perks
Earn up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Earn 1% cash back on eligible purchases right away. Earn 2% - 10% cash back at select merchants.
Annual Fee
$0
Intro APR
N/A
Regular APR
18.24% - 32.24% Variable
Intro Offer
N/A
Recommended Credit
No credit and limited credit to Excellent
Pros
- No fees
- Earn 1% cash back on every purchase. Earn 1.25% back after making six on-time payments. Then, earn 1.5% back after making 12 on-time payments on your card
- You can build credit with responsible credit use
Cons
- N/A
Insider’s Take
If you have a limited credit history, the Petal® 2 "Cash Back, No Fees" Visa® Credit Card, issued by WebBank, may be easier to qualify for. The card doesn't charge any fees and offers between 1.00% - 1.50% cash back on everyday purchases, making it one of the best credit cards for bad credit. If you've already got a good credit score, though, you should consider a different rewards credit card with better earnings and benefits.
Petal 2 Visa Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Best for International Students: Firstcard® Credit Builder Card with Cashback for College Students
International students often struggle to get credit cards because they lack credit history and may not have a Social Security Number or other sufficient identification to help them get started in the U.S. banking system.
As its name suggests, the Firstcard® Credit Builder Card with Cashback for College Students can change that game. Firstcard membership comes with a joint bank account and credit card combo for successful U.S. resident applicants, who can be of any nationality.
This card is essentially a secured credit card, with funds from the Firstcard bank account used as security against the card balance. Firstcard doesn't initiate a hard credit pull to determine eligibility, and helps cardholders build credit by reporting payment activity to major credit bureaus every month.
The most exciting aspect of the Firstcard is that cardholders can earn interest on any funds banked within their account. Members earn 1.25% annual percentage yield (APY) with the base-tier Firstcard membership, and 4.25% APY with Firstcard+, which costs $2.99 per month. Members can also earn up to 15% cash back from 29,000 retailers throughout the U.S., and up to 10% cash back on every purchase.
Finally, Firstcard does not charge the usual card fees (unless you sign up for Firstcard+): No account management fees, annual fees, no interest, no late fees, no overdraft fees, no setup fees, and no foreign transaction fees.
Best for international students
Firstcard® Credit Builder Card with Cashback for College Students
On Firstcard's website
Perks
Earn up to4.25% APY and build your credit score without worrying about overspending. No credit checks and no credit history required to open the card. Firstcard users are eligible to apply for Firstcard's $10,000 Student Scholarship.The application deadline is September 30.
Annual Fee
$0
Intro APR
N/A
Regular APR
0%
Intro Offer
N/A
Recommended Credit
No credit history
Pros
- No prior credit history required
- Available to international applicants who don't have a Social Security Number
- No annual fee, no interest, account minimums, and no overdraft fees.
- Earns up to 15% cash back with some retailers
- Earn interest on the money you use to secure the card
Cons
- Requires a cash deposit equal to the credit limit you want
- Customer service offered via email only (no phone number)
Product Details
- A whole new way to build credit: build your credit score without worrying about overspending.
- No credit checks and no credit history are required to open a credit card
- Accept international students without an SSN – apply with a passport.
- No annual fee, no account minimum, no interest, and no overdraft fee.
- Get a monthly 5% cashback on 12 most-loved educational platforms for students such as ChatGPT, Chegg, Grammarly, Canva, Adobe, Headspace and more.
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying purchases
- Earn 1.25% APY with Firstcard or 4.25% APY with Firstcard+ on the money in your Firstcard.
- Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings (Merchant Cashback and Random Cashback) all Firstcard members are currently enjoying.
- Monitor your credit score right in the app with Firstcard+
- Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet.
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government).
Best First Credit Card Frequently Asked Questions
How do I choose the right beginner credit card?
Choosing the right beginner credit card for you depends on your credit score and where you're at in your credit journey. If you've never had a credit card before, it's likely you'll have to get started with a secured credit card that requires a cash deposit to shore up a small line of credit.
If your FICO credit score is at least "fair," or above 580, on the other hand, you may qualify for a card geared to consumers with average credit.
What are the easiest cards to get approved for?
If you're just starting out, secured credit cards are the easiest for approval. Almost anyone can get approved for a secured credit card regardless of their credit score, even if they're rebuilding credit. This type of credit card requires an initial cash deposit to secure a line of credit that is typically for the same amount. For example, you may put down a $500 cash deposit to secure a $500 line of credit.
How do I build credit with a credit card?
To build credit with a credit card, use your credit card for expenses within your budget, then pay off your balance in full each month. Your monthlypayments will be reported to the three credit bureaus, and, over time, you'll build a history of responsible credit use that will boost your credit score.
How many credit cards should I have?
You can have one credit card or several. It's totally up to you. When you're first building credit, however, it makes sense to limit yourself to a single card. This way, you can spend time building responsible credit habits before you add more cards and complicate your finances.
How quickly can I raise my credit score?
How to improve your credit score varies depending on several factors: Whether you have any credit history at all, whether you have negative marks on your credit report, and the way you handle credit in the short term. Your best bet is to use a credit card for regular purchases that you pay in full each month.
What card should I get when I have excellent credit?
You can likely qualify for the best rewards and travel credit cards if you have excellent credit, which means a FICO score above 740. Make sure to compare the best current credit card bonuses of 2024 in terms of their rewards and cardholder perks, and see our best rewards credit cards guide for more info.
Why You Should Trust Us: How We Reviewed the Best Credit Cards for Beginners
Business Insider chose the best starter credit cards by first considering credit cards that don't require an excellent credit score to be approved. From there, we focused on cards that appeal to those just starting out with credit, including credit cards for students with no credit and secured credit cards.
We then narrowed down the list by evaluating the card's features, including rewards earning, annual and other fees, simplicity, and benefits.Here's our methodology for rating credit cards.
Freelance Writer
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson ownsClub Thriftyand is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Marketing Compliance Manager
Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
Top Offers From Our Partners
Raisin High Yield Savings Account Earn 5.26% Annual Percentage Yield (APY). $1 minimum deposit. FDIC Insured.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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