The best credit cards depend on individual needs such as building credit, earning cashback, or travel rewards. For beginners or those with no credit history, the Petal® 2 Visa® Credit Card is highly recommended as it requires no credit history, offers up to 1.5% cashback, and has no fees. For those who want travel rewards, the Capital One Venture Rewards Credit Card stands out, offering 2 miles per dollar on all purchases and no foreign transaction fees but comes with a $95 annual fee. For young adults looking to build credit and earn rewards, the Capital One QuicksilverOne Cash Rewards Credit Card is a good fit, providing unlimited 1.5% cashback but with a $39 annual fee. Students might consider cards like Discover it® Student Cash Back or Chase Freedom Rise®, which are designed with no credit history requirement and useful rewards. Here's a summary comparison of some top credit cards:
Card Name| Best for| Annual Fee| Notes
---|---|---|---
Petal® 2 Visa® Credit Card| No credit history| $0| Cashback up to 1.5%, no
fees
Capital One Venture Rewards Credit Card| Travel rewards| $95| 2 miles per
dollar, no foreign fee
Capital One QuicksilverOne Cash Rewards| Building credit & rewards| $39| 1.5%
cashback, credit line increase
Discover it® Student Cash Back| Students, no credit| $0| Rewards for students
Chase Freedom Rise®| Students| $0| Designed for new credit builders
The best card for a person depends on credit score, spending habits, and preferences for rewards or fees.
