Credit Cards For Beginners With No Credit History (2023 Update)

When you first have your SSN with no credit history, you should definitely start building your credit history. Yet, you are probably not qualified for most credit cards with best rewards. But don』t be worry, there are some great rewards cards that are designed for people (especially students) with no credit history. Here are the most recommended credit cards for…
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Chase Freedom Rise Credit Card Review (New Card, No Credit History Required)

Chase Freedom Student Review 2023.6 Update: New card. No credit history required. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Freedom Rise Benefits $25 offer: earn a $25 statement credit after signing up for automatic payments within the first 3 months.  Earn 1.5% cash back on everything. Although this card is advertised as a cash…
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BoA Premium Rewards Elite Credit Card Review (2023.6 Update: 75k Offer)

Bank of America Premium Rewards Elite Credit Card Review 2023.6 Update: The new offer is 75k. This is the highest offer on this card. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsBest Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link BoA Premium Rewards Elite Benefits 75k offer: earn 75,000 points after spending $5,000 in first 90 days. This is the highest offer on…
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BoA Premium Rewards Credit Card Review (2023.6 Update: 60k Offer!)

Bank of America Premium Rewards Credit Card Review 2023.6 Update: The new offer is 60k. This is the highest offer on this card. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsBest Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link BoA Premium Rewards Benefits 60k offer: earn 60,000 points after spending $4,000 in first 90 days. This is the highest offer on this card….
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BoA Better Balance Rewards (BBR) Credit Card Review (All Existing Cards Will Be Transferred to BoA Unlimited Cash Rewards after May 16)

Bank of America Better Balance Rewards Credit Card (BBR) Review 2023.3.17 Update: According to a letter received by our reader, current existing cards will be mandatorily converted to BoA Unlimited Cash Rewards after May 16. 2017.5.25 Update: It’s now discontinued. The previous application link is now redirected to the front page of credit cards. It seems what’s replacing it is…
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One Table To Help You Understand Marriott Bonvoy Co-branded Cards Welcome Offer Eligibility (2023.2 Update: Major New Restrictions)

[2023.2 Major Update] USCardForum user juanxincai noticed that major new restrictions are now applied to some of the Marriott co-branded cards. On AmEx Marriott Brilliant, the new terms read: Basically it says if you have or have had any of the Chase Marriott co-branded cards in the past 30 days, you are not eligible for the welcome offer for this AmEx…
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Chase Instacart Credit Card Review (2025.9 Update: $50 Offer)

Instacart Mastercard® Credit Card from Chase ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Instacart Benefits $50 offer: get a $50 Instacart credit after approval. The recent best offer is $300. Earn 5% cashback on Instacart app and website; earn 5% cashback on Chase travel portal; earn 2% cashback on restaurants, gas stations, and on select streaming services; and…
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BoA Unlimited Cash Rewards Business Credit Card Review (2023.1 Update: $500 Offer)

Bank of America Business Advantage Unlimited Cash Rewards Credit Card Review 2023.1 Update: There is a $1,000 welcome offer now, which is the best ever offer on this card. It seems people see a blank page after submitting the application, and nobody has successfully applied. So we switched back to the $500 offer link in the application link section below. 2021.10 Update:…
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Chase Starbucks Credit Card Review (2023.4 Update: Discontinued)

Starbucks Rewards Visa Credit Card 2023.4 Update: This card will be converted to CFU or CFF on Jul 20, 2023. HT: DoC. 2022.12 Update: This card seems discontinued. Also, the Stars will devalue in 2023.2.13, see announcement. 2019.3 Update: The new offer is now 6,500 Stars, worth about $260… But still not recommend to apply. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRecommended Downgrade…
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US Bank Shopper Cash Rewards Credit Card Review (New Card, 6% Cash Back but with $95 Annual Fee)

US Bank Shopper Cash Rewards Visa Signature Credit Card Review ContentsApplication LinkBenefitsDisadvantages6% Merchants ListRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link US Bank Shopper Cash Rewards Benefits $250 offer: earn $250 after spending $2,000 in 120 days. Cash back structure: Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose….
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Barclays AAdvantage Aviator Business Credit Card Review (Discontinued)

AAdvantage® Aviator® Business Mastercard® Review Update: This card is discontinued. Now Citi is the sole partner of AA. 2024.2 Update: There is no available link for this card now. Maybe this card is discontinued? Maybe the link will come back in a few days? 2023.5 Update: The offer is lowered to 75k now. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade…
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AmEx Blue Business Cash Credit Card Review (2023.10 Update: $250 Offer)

Blue Business Cash™ Card from American Express Review 2023.10 Update: The offer is now $250 ($3,000 spending in 3 months). 2023.6 Update: The $250 offer (with $3k spending requirement) is expired. The current offer is $500 (with $15k spending requirement). 2022.9 Update: There is a new $500 offer, but it requires $15k spending in total. The $250 offer (with $3k…
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Marriott Bonvoy Bountiful™ Credit Card Review (2023.2 Update: 85k Offer)

Marriott Bonvoy Bountiful™ Credit Card Review 2023.2 Update: The offer is now lowered to 85k. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Marriott Bonvoy Bountiful Benefits 85k offer: Earn 85,000 Marriott points by spending $4,000 in the first 3 months. The recent best offer is 125k. We estimate the value of a…
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PayPal Cashback Mastercard® Review (2025.3 Update)

PayPal Cashback Mastercard® Review ContentsApplication LinkBenefitsDisadvantagesSummaryHistorical Offers ChartApplication Link Application Link PayPal Cashback Mastercard® Benefits Earn 3% cashback if you make the payment via PayPal; and earn 1.5% cashback on all other purchases. Redeem Cash Rewards right to your PayPal balance and use them whenever you want. No redemption threshold. No annual fee. Disadvantages No welcome offer. Summary 3% cashback rate…
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BoA AAA Credit Card Review (2022.8 Update: Discontinued)

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2022.8 Update: This card is discontinued, as all previous application links are dead. Now in BoA app, there is a reminder that says this card will be automatically converted to another weak AAA card issued by another bank. R.I.P. 2021.8 Update: Something strange is happening to this card: The…
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