How do I build a good credit score? Which credit card is good for starting out?

no credit score they will not give you a credit card

go to creditkarma.com

check your score for free

follow there advice if you have any negative things on your report

look at their recommendations for credit cards. it will tell you the odds of you being approved based on your score.

Do you have any credit? Do you have negative items on your report?

There is a big difference between having a blank report and having one with only bad marks. With the former, you can usually still get some low limit credit cards. With the latter, you won't qualify for anything but maybe a store/gas card, a secured card or some horrible scammy one with ridiculous fees. But either way, it's highly unlikely you will get any cash-back/rewards cards. You need to walk before you can run.

Step one is to pull your report and see what (if anything) is on it. Credit Karma can help, and is free.

But without knowing more details of your situation, it's impossible for anyone to give advice.

I think a good place to start would be chase freedom or that discover more or student. I think both are fairly easy to obtain and have decent rewards.

Yeah, without knowing more of your credit situation, its impossible to make a completely accurate suggestion. I'm 24 and recently just landed my first big job out of college and wanted to get my first credit card. I went to creditkarma to get an estimate on what my score was, which was around 690 I believe. I applied for the aforementioned chase freedom card (the one with rotating 5% cashbacks and 1% cashback on everything) and was instantly approved for a $500 line of credit - which is pretty low honestly. I'm hoping it increases sometime in the near future.

I think their evaluation of my credit score was closer to 630. Pretty much the only major thing on my credit score was payment of student loans.

Good luck.

Your best, first step is to check with your credit union to see if you can qualify for their major issuer (VISA, MasterCard, etc.) unsecured credit card. This will help build your credit relatively quickly.

I'd say Capital One. They gave me a $500 credit card not long after my bankruptcy. I used it to rebuild my credit over the past seven years and now have a 720 FICO. They gave me two credit limit increases in that time, to what appears to be a $3500 maximum. Fortunately with my improved credit I was approved for two additional credit cards with $10,000 limits total.

Thanks for all the replies. I have never used or owned a credit card in my name name, only debit cards. I'm a student and need a good credit card company to start out with.

I tried checking my credit score but wasn't able to find anything.