i am 28 with no credit and am interested in getting my first credit card. i am extremely frugal so going apeshit with the card is a highly unlikely scenario. i am mainly thinking about getting one to assist with rental cars, airline tickets and emergencies (knock on wood).

what does the board recommend for a beginner? any particular card i should research that i have a chance at getting with no credit history? any help is appreciated. thank you.

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Posted by Double Oh

Louisiana

Member since Sep 2008

17818 posts

Posted on 9/18/13 at 9:12 pm to S

get one without an annual fee

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Posted by Layabout

Baton Rouge

Member since Jul 2011

11082 posts

Posted on 9/18/13 at 9:15 pm to S

Get an American Express green card and keep it for the rest of your life.

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Posted by ShubutaMS

5682 posts

Member since Aug 2013

1434 posts

Posted on 9/18/13 at 11:16 pm to S

quote:
i am 28

quote:
interested in getting my first credit card

Damn. Not many people save themselves for that long nowadays. Hope its a special experience for you.

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Posted by eScott

Member since Oct 2008

11376 posts

Posted on 9/18/13 at 11:37 pm to S

Look for one with no annual fees. And pay it off in full EVERY time you use it. Start saving money up for an emergency.

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Posted by S

RIP Wayde

Member since Jan 2007

155647 posts

Posted on 9/19/13 at 6:35 am to eScott

i've been with bank of america for years, should i consult with them first or look into something else?

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Posted by TigerRob20

Baton Rouge

Member since Nov 2008

3732 posts

Posted on 9/19/13 at 6:43 am to S

Chase Freedom, Amex Blue/Green, etc. BoA might have a similar card to the Freedom Card that you could get.

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Posted by stevengtiger

Member since Jul 2013

2778 posts

Posted on 9/19/13 at 8:27 am to TigerRob20

With little or no credit, an Amex could be hard to get your hands on. They demand a score of around 750 or higher. Chase Freedom card is easier to get and still has great rewards with no annual fee. Had one for a while and my wife and I have already racked up some cash back.

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Posted by BACONisMEATcandy

Member since Dec 2007

46643 posts

Posted on 9/19/13 at 8:57 am to S

quote:
i've been with bank of america for years, should i consult with them first or look into something else?

If you are ok with BoA and plan to stay with them, I would start with there.

I personally will never do business with BoA, they are a bunch of crooks IMO.

While I am a big fan of Amex. I would not get one of their Charge Cards as my 1st card.

Barclaycard offers a Rewards Mastercard that gives double points for every dollar spent on gas, grocerie,s and utilities. I would check them 1st