Credit Card in the U.S.

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This review will come in handy for those who live in America.

You can see the best deals on the best cards market on a special website, but now a brief overview. 

Don't buy on the cards unless your goal is to repay the amount taken right away. Use the benefits, but do not pay interest: buy -> immediately repay from your account. 

Usually cards have a grace period of about a month when they don't charge interest, but for purposes of financial discipline I suggest:

 a) redeem either immediately after the purchase or immediately after the statement (settlement date);

 b) set up automatic repayment of the full amount owed (in case you forget to repay the credit amount from the account on time)

So, here we go!

Discover it® Chrome

What's good about it:

Easy to get, even for those just starting out with a credit history. If the SSN is more than a year old, may approve even if you don't have a credit score


Great and easy to understand application


Everything is done online


Awesome customer support, no ten minute waits - they pick up the phone instantly


Good cashback terms for a card with such low credit history requirements


First year cashback doubles! Bonus amount will come on the anniversary of owning the card as a gift for your first anniversary


Terms:

2% back on spending at gas stations and restaurants, 1% on everything
Cashback in real money, which can be withdrawn either to accounts or to the credit card itself
As an added plus - you can open accounts and deposits at this bank and it will all be commission-free
How do I get the bonus? If you sign up here at this link, you will get $50 after your first spend

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