What is ideal for a first time credit card user?
No annual fee. What if the credit card company tells you they can’t waive your annual fee? Then go somewhere else. Yes it really is that easy. Unless you have made some horrible decisions in the past and nobody is willing to loan you a penny, it’s a buyers market. First time credit card purchasers need to understand that there are so many credit card companies out their vying for your business. Once you waive your annual fee you need to be aware of the many other credit card fees that could bite you in the butt today or down the road. Decent APR. I’m not going to suggest that you chase rates or try to find the lowest possible credit card rate. Why? Because those are usually temporary. The unfortunate part is that the credit card company is not quick to alert you that the temporary rate is going away. You also don’t want to get into the habit of switching credit card providers due to small changes here and there. Cash back rewards credit cards can be great. This is what I use. I have re
