All Things Credit
Four Tips for Building Credit
1. Open a secured credit card or become an authorized user on someone else’s credit card.
2. Make small purchases and pay them off in full and on time EVERY month.
3. Keep your credit utilization low by not using more than 30% of your credit limit.
4. Be patient and consistent. Building credit takes time and effort, but it’s worth it in the end.
Five Tips To Improve Your Credit Score
1. Check your credit report for any inaccuracies.
2. Pay bills on time!
3. Keep credit card utilization under 30%.
4. Don't apply for too many cards at once.
5. Keep old lines of credit open.
5 Cash Back Credit Cards
Capital One SavorOne Cash Rewards
Annual Fee: $0
3% Cash Back on Dining, Entertainment, Popular Streaming services and at Grocery Stores
5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
10% Cash Back on All Uber Rides and Uber Eats Orders + Free Uber One Membership Until 11/14/2024
1% Cash Back on Other Purchases
Chase Freedom Flex
Annual Fee: $0
Cash Back: 5% Cash Back in Quarterly Bonus Categories
Discover It Cash Back
Annual Fee: $0
Cash Back: 5% Cash Back in Quarterly Bonus Categories
1% Cash Back on Other Purchases
Perk: Unlimited Cash Back Match*
*Discover matches all the cash back you've earned at the end of your first year - so $150 cash back turns into $300 cash back.
American Express Blue Cash Preferred
Annual Fee: $0 for First Year & Then $95
6% Cash Back On Groceries Up to $6,000 per year in purchases at U.S. supermarkets
6% Cash Back On Streaming Select U.S. streaming subscriptions
3% Cash Back On Transit including taxis, ride share, parking, tolls, trains, buses, and more
3% Cash Back On Gas At U.S. Gas Stations
Cash Back: 1% on Other Purchases & Varies for Other Categories
Chase Freedom Unlimited
Annual Fee: $0
3% Cash Back On Dining Including Restaurants, Takeout and Eligible Delivery Services
3% Cash Back On Drugstore Purchases
5% Cash Back On Travel Purchased through Chase Ultimate Rewards
1.5% Cash Back On Other Purchases
Chase Sapphire Preferred
Annual Fee: $95
5x Total Points on Travel Excluding Hotel Purchases
3x Points on Dining, Delivery Services and Takeout
2x On Other Travel Purchases
1:1 Point Transfer with Airline & Hotel Travel Partners
No Foreign Transaction Fees
Travel & Purchase Coverage (Trip Cancellation/Interruption Insurance, Trip Delay Reimbursement, Baggage Delay Insurance, etc.)
Capital One Venture Rewards
Annual Fee: $95
Unlimited 5 Miles Per Dollar on Hotels and Rental Cars booked through Capital One Travel
No Foreign Transaction Fees
$100 Credit for Global Entry or TSA PreCheck Credit
Transfer Your Miles to 15+ Travel Loyalty Programs
Access to Capital One Airport Lounges
Travel Protection
American Express Platinum
Annual Fee: $695
5x on Flights Booked Directly with Airlines or American Express Travel
5x on Prepaid Hotel
$200 Hotel Credit on Prepaid Fine Hotels + Resorts or The Hotel Collection through American Express Travel
Access to 1,400 Airport Lounges No Foreign Transaction Fees
Fee Credit for Global Entry or TSA Precheck Travel Insurance
$200 Airline Fee Credit $189 Clear Credit
Delta SkyMiles Platinum American Express
Annual Fee: $250
3x on Delta Purchases Fee Credit for Global Entry or TSA Precheck
3x at Hotels
Trip Delay Insurance 20% Back on In-Flight Purchases
15% Off on Delta Flights When You Book Award Travel with Miles
Annual Companion Certificate (Domestic Main Cabin Round-Trip)
First Checked Bag Free & Priority Boarding No Foreign Transaction Fees
Delta Sky Club Access
Citi Premier
Annual Fee: $95
10x on Total Points on Hotel and Car Rental Bookings on the Citi Travel Portal Through 6/30/2024
3x Air Travel and Other Hotels
$100 Annual Hotel Savings Benefit
No Foreign Transaction Fees
3 Beginner Friendly Credit Cards
Discover it Secured Credit Card
Requires a Security Deposit
Offers Cash Back Rewards on Purchases
No Annual Fee
Capital One Quicksilver Secured Credit Card
Requires a Security Deposit
No Annual Fee
Offers 1.5% Cash Back on All Purchases
Capital One Platinum Secured Credit Card
Requires a Security Deposit
No Annual Fee
5 Student Credit Cards
Chase Freedom Student Credit Card
2000 Points Each Anniversary For 5 Years
1% Cash Back on Every Purchase
No Annual Fee
Discover it Chrome
2% Cash Back on Gas & Restaurants
1% Cash Back on Other Purchases
Cash Back Match for First Year
Rewards for Good Grades Policy - $20 Each School Year if GPA 3.0+
Capital One Quicksilver Student Cash Rewards
1.5% Cash Back on Every Purchase
5% Cash Back on Hotels & Cars Booked Through Capital One Travel
Capital One SavorOne Student Cash Rewards
3% Cash Back on Dining, Entertainment, Streaming Services & Groceries
1% on Other Purchases
5% Cash Back on Hotels & Cars Booked Through Capital One Travel
Discover it Secured
Requires Security Deposit, Starting at $200
No Credit Score Needed to Apply
2% Cash Back on Gas & Restaurants
1% Cash Back on Other Purchases
Unlimited Cash Back Match For First Year
5 Travel Credit Cards
