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The key to building a credit score is to manage credit cards.

To most students and others “new to credit,” the concept of credit-worthiness comes as a surprise. Often, they have no debt, a characteristic that should make them appealing to lenders. Despite being reliable payers of rent, cable bills and utility bills, however, these borrowers have not proven that they can pay unsecured debt—credit card debt—on time. On their end, credit card issuers do not have the data to give them the best rates and terms. 

Issuers who offer credit cards to those with no borrowing experience take the risk that a portion will not pay on time or even default. Those with excellent credit have a proven track record not only of paying on time, but paying their debts in full. 

First Financial has evaluated and listed only the credit cards with the best offers for those with no credit history. Start building your credit score today so in a short period of time (one year or less), you can enjoy the perks of excellent credit. Before you know it, you’ll be enjoying the lowest get Annual Percentage Rates, high credit limits, easy apartment rental approve and better negotiating power and the best car insurance rates. 

If you are new to credit, apply only to the ones happy to serve those new to credit. Here, we’ve listed those most likely to approve you.

Review featured cards from our partners below: Advertising Disclosure

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