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Compare first credit cards
Last updated: 27 July
How to get a credit card for the first time?
If you have never had a credit card before, don't worry. Everybody has to get their first credit card at some point, and while some providers may not accept you if you apply, there are those that will.
What is a credit card?
A credit card is a payment card that does not directly take money from your bank account when you spend. Instead, the credit card company will send you a bill for your spending at the end of the month.
When you apply, the credit card company will check your credit record to help them decide whether to give you the card or not.
If you have never borrowed money before, you will have nothing on your credit record. This means credit card companies will not have any information to work out how well you can handle your finances.
The above comparison table includes credit cards that may accept you even if you have never used one before.
How to choose the best first credit card, UK wide, that suits your needs
For each card the table shows:
If you want to use a card to borrow, you can enter how much you want to spend and how long you need to pay it back. We will then show you how much you chase bank jobs in fresno ca have to pay back in total for each card on the table so you can choose the best one.
Here is a closer look at how to get a first time credit card.
How to check if you will be accepted
You should apply for a card that is likely to accept you instead of applying for several in one go. This is because seeing too many applications on your credit record can put lenders off.
Use an eligibility checker to find out what cards you can get and improve your chances of being accepted when you apply. You can find our credit card eligibility checker here.
Here is some more information on how to find credit cards that could accept you.
Things to do before applying for a card
A credit card can be a smart way to spend, but only if you use it in the right way. Spending on a credit card creates debt, so you could run in to financial difficulty if you are unable to pay it off every month.
Before you apply for your first credit, make sure you understand a few key terms:
Representative APR: The rate you are actually offered may differ from the representative APR. This is only the advertised rate, which providers must offer to just 51% of successful applicants.
Introductory APR: Providers will often offer low (or even 0%) interest rates to bring in customers. Bear in mind that these interest rates will not last forever. You will be moved onto the standard interest rate once the introductory period ends.
Credit limit: The credit limit you end up with will depend on your credit history and financial situation. Sometimes you won't know the exact details until you have your card, but you may be able to request a higher limit.
Fees and charges: Missing a payment, exceeding your credit limit, withdrawing cash and some overseas spending will likely result in a penalty charge.
Minimum repayments: This is the minimum amount you must pay off each month, though it is always best to try and pay off your entire balance. Failing to meet the minimum payment could affect your credit score.
What to look for in a first credit card
What capital one apply for first credit card need from your first credit card will depend on how you plan to use it. You can find out more about some common credit card uses below.
0% on purchases: These cards won't charge any interest on what you spend for a set period. Here is how they work.
0% balance transfers: These let you transfer a balance from one card to another so you can cut out interest and pay off your debt cheaply. Find out more about balance transfers here.
0% money transfers: These cards let you move cash from your credit card to your bank account. Here's more on how money transfer cards work.
Cashback: These cards pay you a percentage of the amount you spend on your card. Here's how to use cashback credit cards.
Rewards: These cards give you points that you can exchange for rewards like air miles or supermarket loyalty points. Here is how rewards credit cards work.
How to improved your chances of being capital one apply for first credit card for your first credit card
Although you may not have a history of borrowing there are ways you can establish your self as someone who is responsible with their finances. Here are some things you can do:
Get on the electoral roll: Registering to vote provides proof of address, which can help improve your credit score
Opening a bank account: Managing a current account can help you establish yourself as financially responsible. You can set up direct debits to pay your bills such as you cell phone bill, gym membership, etc, and if you always have enough money to cover these expenses it can help in showing that you can be trusted with credit.
Pay your bills on time: Making payments by the due date goes a long way in showing that you'd be a trustworthy borrower.
Get a job and regular income: A regular salary will mean that you'll have the funds to repay any debt you incur, which should help your chances in being approved.
What to watch out for after you've been accepted?
If you've been accepted for your credit card, there are a few things to watch out for to help get a better deal in the future:
A strong credit history will help you get accepted for a wider range of cards in the future, meaning you could get a lower interest rate, a higher credit limit or more tempting extra features like interest free periods or balance transfers.
If you use your starter card sensibly for several months, your credit record will look better to credit card companies. Make sure you always:
Here is how else you can build and improve your credit record
About how to find the account number for straight talk credit cards comparison
Our comparison tables include providers we have commercial arrangements with. The number of capital one apply for first credit card in our tables can vary depending on the terms frost bank online banking login those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.
Fidelity® Rewards Visa Signature® Card
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional capital one apply for first credit card. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than amazon coupon code honey value of the points you earn if you do not pay your bill in full each month.
To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on mynewextsetup.us and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on mynewextsetup.us Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2, Points.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed College Savings Plan accounts. The ability to contribute to an IRA or college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call FIDELITY ().
5. Certain restrictions apply to each benefit. Details accompany new account materials.
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.
8. Fidelity Rewards+ generally requires $, invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.
"Giving Account" is 5 3 bank routing number illinois registered service mark of the Trustees of Fidelity® Charitable.
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© Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.
© The Kiplinger Washington Editors. Used under License.
Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, Salem Street, Smithfield, RI
Why I decided to apply for the new Capital One Venture X card
I said I was finished opening new credit cards for the year.
At least, I thought I was. I’d already opened three travel credit cards in to replace the less lucrative cards I’d had since college.
I figured I was all set for the remainder of the year … until several colleagues and friends in the points and miles space started raving about the Capital One Venture X Rewards Credit Card.
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Initially, I’d resisted the idea of opening yet another credit card and having to meet yet another minimum spending requirement. I didn’t need another inquiry on my credit report, nor did I want to pay another hefty annual fee.
I was quickly won over, though.
It’s true, my cursor hovered over the application button for several minutes. But in the end, opening the Venture X card was a no-brainer for a lot of reasons.
The Venture X sign-up bonusThe Points Guy (Photo by John Gribben for The Points Guy)
First and foremost, I was really attracted to the Venture X card’s sign-up bonus, which is currentlymiles after spending $10, on purchases in the first six months of account opening.
Thosemiles are worth $1, when redeemed for travel directly through Capital One Travel or as statement credits toward other travel purchases. But their value is boosted to around $1, according to TPG’s latest valuations (not provided by the issuer), thanks, in part, to dramatic improvements Capital One has made to its rewards program lately, including the addition of new airline and hotel transfer partners.
For a limited time, new cardholders can also take advantage of up to $ in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year. I’m not usually a vacation renter, but I figure I can use up $ in credits with even a single booking, so that seems easy enough.
Aside from its sign-up bonus, the Venture X earns 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel and an unlimited 2 miles per dollar on everything else. Considering the amount of travel I book, I can really maximize those categories to ramp up my earning beyond the introductory period.
But the card has several other ongoing perks that made it compelling for me. Chief among them is up to $ back in statement credits annually for bookings made through Capital One Travel. Counting on up to $ in credits for travel I’d purchase anyway made it easier to consider the card’s $ annual fee. Taking all of it into account, it would mean I’d only be $95 out of pocket each year.
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However, cardholders also receive 10, bonus miles every account anniversary, starting on the first anniversary, which is worth another $ toward travel (or $ based on our valuations). So all told, I’m looking at at least $ per year in value from the card.
I have three separate Priority Pass memberships from other credit cards, so I don’t know how much I’ll use that particular perk. However, I am excited about the new Capital One lounges after seeing accounts from the first one that opened at Dallas-Fort Worth (DFW) this month. I don’t find myself in Dallas often, so I probably won’t utilize that lounge, specifically, but I’m in Washington, D.C., at least once a month. That’s why I was extremely thrilled to learn about Capital One’s upcoming lounge location at Dulles (IAD), which will be after the TSA PreCheck security line in the main terminal.
I’ll also be able to use the card’s Global Entry or TSA PreCheck application fee credit, worth up to $ once every four years, to purchase or renew Global Entry membership either for myself or a family member.
More transferable miles, more optionsThe Points Guy (Photo by Zach Honig/The Points Guy)
My Venture X thought process also included taking stock of my transferable points balances, which included Membership Rewards from several American Express cards and Ultimate Rewards from a few Chase cards. I quickly realized I didn’t have a Capital One card in my wallet, which meant I was potentially leaving a lot of miles and a lot of value on the table.
Capital One miles transfer to many of the same airline frequent flyer partners that Amex and Chase have, including Emirates Skywards and Singapore Airlines KrisFlyer, but also some, like Turkish Airlines Miles&Smiles, that have eluded me up until this point. I was supposed to take a flight on Turkish right before the pandemic that was unfortunately canceled. For that reason, Turkish Airlines business class on the is one of my dream redemptions, so opening this card to transfer miles to the airline’s Miles&Smiles program made a lot of sense.
It would also give me more ways capital one apply for first credit card pool my miles into programs like Air Canada Aeroplan and Air France-KLM Flying Blue — two more of Capital One’s transfer partners.
Not only that, but Capital One has been steadily improving its miles program in recent years, adding over a dozen transfer partners and improving the conversion rate to with most of them quite recently, which is going to make them even more useful for my specific travel plans.
The Venture X sign-up bonus: $1, toward travel
Aside from transferring my Capital One miles to Turkish Airlines Miles&Smiles for travel on Turkish itself, there are two other options I’m mainly considering for redeeming mymiles once I earn them.
Using Turkish Miles&Smiles for United business-class flights
One way to maximize the sign-up bonus I have in mind is transferring Capital One miles to Turkish Airlines Miles&Smiles for domestic United business-class awards — including lie-flat seats on transcontinental flights.
Turkish Miles&Smiles charges just 12, miles one-way and miles transfer at a ratio, which means I could fly between my home in New York and San Francisco (SFO) or Los Angeles (LAX) in a comfortable Polaris seat for just a fraction of what I’d pay if I booked directly using United MileagePlus miles.
Booking Wyndham nights in the Caribbean
I’ll admit, I don’t know much about Wyndham hotels or the Wyndham Rewards loyalty program. However, I do know that the program has some fantastic redemption sweet spots, particularly in the Caribbean, a region where my World of Hyatt points haven’t been of too much use.
Wyndham has just three award pricing tiers — 7, 15, or 30, points per night — so my ,mile bonus will come in handy for a multinight stay no matter which tier I choose. For instance, rates at the Kunuku Resort All Inclusive in Curacao start at just 15, points a night. That’s a great deal for an island with few points hotels.
Even at 30, points a night, Wyndham points come through in the Caribbean. The British Virgin Islands are home to the Wyndham Tortola BVI Lambert Beach Resort, where I could book a three-night stay for just 90, points a night. Sure, that would effectively cost me the bulk of my sign-up bonus, but it would also save me nearly $1, on a three-night stay, which I’d consider a win.
It took a lot for me to come out of credit card retirement this year, but ultimately, the new Venture X persuaded me with a solid sign-up bonus and annual statement credits of up to $ toward travel. The new Venture X will also help cover some points and miles blindspots I have, like award availability in the Caribbean, a region I visit at least three times a year. Coupled with lounge access in one of my airports (hopefully coming soon) and strong earning rates, this is a card I expect to keep in my wallet for years to come.
Featured photo by John Gribben for The Points Guy.
SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.
And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free.
These are the best credit cards for dining capital one apply for first credit card, taking out, and ordering in to maximize every meal purchase.
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Capital One is a giant in the credit card industry which is why it is no surprise that they offer a bad credit credit card. Depending on personal circumstances, customers could receive a credit limit of £ to £ with an advertised representative APR of %. The card is designed to help those with unfavourable credit work towards improving their credit score. Over 6 million customers are using the Capital One Classic credit card and potential customers can use an eligibility checker to see if they are likely to be accepted for the card without affecting their credit score.
To apply for a Classic Credit Card, you will need to complete the application online and you can receive the decision within minutes. If you're approved then your card will take between 7 and 10 days to reach you, although the PIN will arrive first. Once you've received your card, you can apply to increase your credit limit up to two times a year.
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