Credit Card in the U.S.
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Cashback in real money, which can be withdrawn either to accounts or to the credit card itself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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