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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Ink Business Cash℠ Credit Card Review (2024.1 Update: 75k Offer)

Ink Business Cash℠ Credit Card‎ Review 2024.1 Update: The 90k offer is expired. The current offer is 75k. 2023.9 Update: There’s a 90k link now, act fast before it dies! HT: DoC. [Update] The official offer is now also 90k. 2022.10 Update: The offer is now 90k, and it is the best ever offer on this card. Application Link Chase…
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AmEx Marriott Bonvoy Bevy Credit Card Review (2023.11 Update: 85k Offer)

AmEx Marriott Bonvoy Bevy Credit Card Review 2023.11 Update: The higher offer is expired. Currently there’s only 85k offer. 2023.9 Update: Current offer is 125k: earn 125,000 Marriott points after $5,000 spend in the first 6 months. This offer expires on 11/01. 2023.6 Update: The new offer is 125k+50k: earn 125,000 Marriott points after spending $5,000 in the first 6…
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Capital One Venture X Credit Card Review (2023.12 Update: 75k Offer)

Capital One Venture X Credit Card Review 2023.12 Update: The 90k offer is expired. The current offer is 75k. 2023.9 Update: There is a special link for 90k offer. HT: USCardForum tcelvis. 2022.6 Update: Capital One announced that access to Plaza Premium lounges are added to this card. Plaza Premium lounges used to belong to Priority Pass Select (PPS), but…
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Amex Rewards Checking Account (2023.9 Update: $250 Offer)

American Express Rewards Checking Account (Debit Card/ATM Card) Review 2023.9 Update: The new offer is $250. Application Link AmEx Rewards Checking Benefits $250 welcome offer. See below for the requirements to get this bonus. Offer ends on 2023.10.31. Earn 1x Membership Rewards (MR) points for every $2 debit card purchases. MR points are worth about 1.6 cents/point, therefore a 0.5x earning…
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BoA Checking Account Review (2023.9 Update: $200 Offer!)

Bank of America Checking Account Review 2023.9 Update: There’s a $200 public offer now! 2023.6 Update: Finally, BoA has eliminated the ridiculous ACH transfer fee! Screenshot. Application Link BoA Checking $200 Public Offer BoA Checking $300 Targeted Offer: check this higher offer in BoA official site -> “Activity Center” -> “Special Offers & Deals”. Benefits New Checking Account Bonus: $200/$300. See below for…
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Capital One Venture Rewards Credit Card Review (2023.12 Update: 75k Offer)

Capital One Venture Rewards Credit Card Review 2023.8 Update: There’s a 80k offer link. [Update] Link expired. The current offer is only 75k. 2023.6 Update: There’s 100k offer now. [Update] 100k link expired. The current offer is only 75k. Learn More Capital One Venture Benefits 75k offer: earn 75,000 miles after spending $4,000 in first 3 months. The recent best…
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BoA Customized Cash Rewards Credit Card Review (2023.8 Update: $200 Offer; Improvement)

Bank of America Customized Cash Rewards Credit Card Review 2023.8 Update: Small improvement about 3% cashback categories: the gas category now includes EV charging; the online shopping category now includes cable, streaming, internet, and phone plan. HT: DoC. 2021.5 Update: The card name is changed from BoA Cash Rewards to BoA Customized Cash Rewards. Application Link BoA Customized Cash Rewards…
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AmEx Green Card Review (2023.8 Update: 40k Offer)

American Express Green Card Review 2023.8 Update: The 60k+$200 offer is ending on Aug 23, apply soon if you want this card! [Update] Expired. The current offer is only 40k. 2023.5 Update: The new offer is 60k+$200, which is the best ever offer on this card! 2022.7 Update: The 50k+$150 offer is expired. The current offer is 45k, and you may need…
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Chase Freedom Flex℠ (CFF) Credit Card Review (2023.9 Update: $200 Offer)

Chase Freedom Flex℠ Credit Card Review 2023.7 Update: There is a new $200+5% on grocery&gas offer. Screenshot. [2023.9 Update] Expired. The current offer is $200. 2023.4 Update: The $200+5% on grocery offer is expired. The current offer is $200. 2022.10 Update: The $200+5% on grocery offer is back. Grocery is a better category for most people. Offer Link Chase Freedom Flex (CFF)…
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Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer Chart (2023.7 Update: MR Added New Partner QR 1:1)

2023.7 Update: AmEx MR points can be transferred to Qatar Airways (QR) now! The ratio is 1:1. Actually before that you can already get QR miles 1:1 from BA miles so it is not a big deal. 2021.10 Update: Capital One improved the transfer ratios to be 1:1 for most partners now! Also note that starting from 10.24 Capital One…
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Citi® / AAdvantage® Executive World Elite Mastercard® Review (2023.9 Update: 75k Offer)

Citi® / AAdvantage® Executive World Elite Mastercard® (Citi AA Exe) Review 2023.9 Update: The 100k offer is expired. The current offer is 75k. 2023.7 Update: The new offer is 100k. There are also a lot of changes: Annual fee is increased from $450 to $595. Earn 4x AA Miles on AA (2x before). Earn 5x on AA after spending $150,000 in…
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Southwest® Rapid Rewards® Premier Business Credit Card Review (2023.8 Update: 60k Offer)

Southwest® Rapid Rewards® Premier Business Credit Card Review 2023.8 Update: The higher offer is expired. There’s only 60k offer now. 2023.7 Update: The new offer is 60k+60k, the latter part requires $15k spending which is a bit high. Offer ends on 8.28. Application Link Chase Southwest Premier Business Benefits 60k offer: earn 60,000 Southwest Miles after spending $3,000 in the…
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Ink Business Preferred® Credit Card Review (2023.7 Update: 100k Offer)

Ink Business Preferred® Credit Card‎ Review 2023.7 Update: The new offer is 100k, with $8k spending requirement (down from $15k spending requirement). Application Link Chase Ink Preferred (CIP) Benefits 100k offer: earn 100,000 Ultimate Rewards (UR) points after spending $8,000 within the first 3 months of card membership. This is the best offer on this card. We estimate that Ultimate…
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Chase Sapphire Preferred® (CSP) Review (2023.7 Update: 60k Offer)

Chase Sapphire Preferred® Card Review 2023.7 Update: The 80k offer links are all dead now. The current offer is 60k. 2023.6 Update: The offer is lowered from 80k to 60k. It seems the 90k offer in branch is still alive according to DoC, but we don’t know when it will end. [Update] The 80k link is alive again magically. HT:…
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