What’s a good first credit card? I need to build credit 😬 no international fees & low annual fees would be great

like
Posting as :
works at
You are currently posting as works at

Low annual fees??? You want NO annual fees or you've gotten the wrong card.

likesmart

Even if the fees are worth it today. I would avoid fees with your first card. The first card should never get canceled, as the average credit length would always be diminished if you canceled your oldest card. As you get better credit, better cards will be available. I personally did a secured credit card at a local credit union and then Amex everyday blue. My sister started with Discover Student It. In retrospect, I should have gone with the Discover It.

I've lived without credit cards for 15 years. Don't fall for the hype.

likefunny

Straight to AMEX Centurion

like

Discover

like

If you're just getting started with credit cards / churning, I'd probably recommend you start with the Chase Freedom Unlimited or the Chase Freedom. They have relatively good sign up bonuses for starter cards ($200 reward for $500 spend within the first 3 months), and they will allow you to build into the "Chase Trifecta" system. Eventually, you can get either the Chase Sapphire Preferred ($95 annual fee) or the Chase Sapphire Reserve ($550 annual fee), which will allow you to pool all your points together for travel / cash back. Throughout all my time researching credit cards, Chase's system seems to be the best and most simple at this time, despite that American Express has been improving over the last couple of years.

like

All discover cards have no foreign transaction fees!

like

Chase freedom unlimited

like

If you're ambitious and want to get into the manfuctured spending points games. I would suggest you start off with the Chase Sapphire Preferred card.

For no foreign tx. fee, I would recommend BOFA travel reward card, it has 250 sign-up bonus and no annual fees. Otherwise chase freedom is my favorite.

I think my first card was the Amex Platinum. True story. I got rejected like 4 times in a row by other cards, we're talking like the Gap credit card, cause I applied for the first time when I was around 30.

Same here. My first was the Chase sapphire reserve. I was a student and had no credit history, so was rejected from several banks for even the shittiest cards. Lucked out with an awesome banker who helped me get the CSR and it instantly built up my credit score

Discover!!!

Discover solely because it’s easy to be approved. If you want cash back, it’s Citi double cash back. If you want travel, capital one venture cards are good too

Get one with Visa or MasterCard if you travel internationally (not AMEX/Discover). ChaseFreedom is good in the NE Coast area. CapitalOne Quicksilver is very good- that’s MasterCard. Discover is good- but sometimes in international travels you may find places that accept it less since it isn’t VISA/MasterCard.

Thanks so much to everybody who took some time to leave a recommendation, really appreciate it 😊

Related Posts

Working on a take-home case study for a direct lender, I was given a public company take-private scenario and build a model around it, want to get you guys thoughts on whether I should include a few pages on historical financials?

like

Hello, would anyone know of companies in India hiring for remote HR roles. I am an HR Professional with 10+ years of experience in HR Business Partnering and People Analytics. Looking for long term remote work but open to occasional travel. Any leads would be appreciated

like

Any recommendations on a hotel in Athens, Greece?

like

Do people use their HSA to actually pay for health expenses or just as a triple tax advantaged savings account for retirement? Seems like all talk on here emphasizes the tax benefits of it, so I am curious if people use to spend or just save

likehelpful

Anyone in Southwest Florida know of Healthcare worker relief funds that are legitimate? Fort Myers and the surrounding areas were devastated and many critical workers have lost everything. Hospitals are evacuating and staff are moving away from whatever is left of their homes…please advise

like

Ever since moving to hybrid work, my coworkers are always complaining about how much they hate their jobs, how much of a hassle it is to travel or work from home. How can you be expected to do your job when you're just so far away from everything?

like

63k salary for a HR Coordinator role in nyc … is this fair? I feel like I am just scraping by… and they haven’t started taking out deductions for my 401k/pension yet. Plus side benefits are great and I pay nothing!!

like

I’m a new associate to a T&E group, partner goes away on vacation and leaves me with a 706 to review and sign. The family is very wealthy. Decedent married for 60 years. Partner says it’s “just a DSUE election, decedent was ill for years, no assets.” Provides no records. Not even an admission the decedent owned a toothbrush. So I looked up the decedent’s home - it’s a joint asset. Partner was “surprised”, and still insists “no other assets”. I found file references to art and antiques.

like

left the office an hour before my flight, had time to grab a beer before boarding. Love small market airports.

like

Sorry, a visa question: Do you know if the H4 EAD process is confirmed to shut down? My lawyer at PwC said that it’s 100% confirmed by USCIS that it will be shut down soon.

like

Let’s do an H1/L1 Compensation Survey.
Visa / base comp / level / total exp / firm name.

like

I have been shortlisted for Amex Band35 ,yet to have compensation discussion.
How much should I ask for?/ How much they will offer?

YOE :4.7
Current CTC ~18 LPA (fixed 15.5)

like

What benefits do we get when moving to the UK from India?

I am getting the below.
1. Dependent visa for my family
2. 1 month accommodation
3. Relocation expenses.

Is there anything else I can ask for? Please share if you have any experience on the same.

likehelpful

Does anyone have experience leaving their firm and using the pension benefit to negotiate with the new company? I’m not vested and will receive an offer from industry (company doesn’t have a pension plan). Curious to hear what others have done. My pension wouldn’t be huge but it’s a decent chunk of money to walk away from. What are some things that have worked? Additional sign-on bonus, bigger stock grants, etc. Thanks.

I can gift gold status on Delta with my platinum status. Anyone have a similar benefit they want to do a trade?

like

Am wrking TCS. For am medical emergency I have applied for salary advance today and it is approved.Buy amount is not credited. Ould any one let me know when will I get that money. I need that money for an medical emergency.

Is that possible will I get today?

Tata Consultancy

like

At what number do you feel like you’re making enough whether to satisfy your desires or just not feel guilty about spending money.I’ve been blessed to have my income raised a total of 85% throughout 9 years but shortly after each raise I still feel like it’s not enough to live by and that I’m always behind. I live in a high cost area and make triple of what my friends make yet it still doesn’t feel enough. Cont’d

like

United Global Services - what is required to get it?

like

Client: “We are doing a joint marketing effort with some sales partners. Can you please get back to me with a calculation on the impact of investing $10K in New York City and Tokyo”
Me: 🙄🔫

likefunnysmart

More Posts

This is my second year teaching and I want to quit more and more everyday than I did my first year. Please tell me this passes!!!! It got easier yet I’m still so unhappy everyday

like

I find overpositive colleagues so condescending. Is that bad?

like

Do you prefer the Westin San Francisco, or the JW Marriott for leisure travel ? or any other Marriott hotels in San Fran?

I’m drunk at a family party that I don’t want to be at! 🆘

likefunnysmart

DM if anyone needs referral at Amdocs. Will be happy to refer you.

like

Can you dice/chop onions and not tear up? If so, how many till you tear up?

How does pwc’s wealth builder plan work ?

like

^when the client puts you on actuals^

like

Does any one got the appraisal letter? Today is 7th oct

like

My joining is on 2nd Nov in TCS. still didn’t get the welcome mail and the information regarding the joining location. Anyone facing the same??

Hey fellow fishies! There have been some questions lately about men lurking in this bowl. I’ve reached out to Fishbowl and a rep reassured me that only users who identify as women are allowed access to this bowl. If any men have misrepresented their gender in order to gain access, please flag the user and/or reach out to a bowl leader or Fishbowl support asap! Definitely want to make sure this space remains safe and private so we can continue to share freely 🙏

likeuplifting

Recently completed my MPA and work for a state economic development agency as an analyst. I applied for a public sector consultant position within Baker Tilly; can anyone provide any insight on the job specification, salary, etc?

like

How do you know if you aren't a good fit for your job. I have had a new job for about two months and although it pays more. I don't feel satisfied due to the work environment and the people I work with. This job is very isolating compared to my past jobs

likehelpful

Any idea when hike letters will be rolled out? Also how much percentage of hike at persistent one can expect?

Hi Ladies,

I was impacted by the COVID-19 layoffs a few weeks ago and let go from my job at Deloitte. I have 2 years experience as an IT Auditor with the big 4 and I am in search of a new job. I’m currently residing in Atlanta

Any recommendations on where to apply would be greatly appreciated.

like

Recommendations for restaurants in Chinatown please?

like

Anyone else feel like family law is toxic and detrimental to the attorney’s health/quality of life? My client was served w/ an order of protection against her—her ex is abusive and is gearing up for a custody battle. Of course the OP was filled with outrageous lies. My home-office phone and cell were ringing from 9:00pm- 12 am after she was served…..I am in my first trimester of pregnancy with my 2nd kid and suddenly feel like I don’t want to/cannot handle this type of toxicity.…continued….

like

What is average consultant salary?

Ideally London and regional view?

like

My friends daughter has two internship offers at RSM and Grant Thornton. Does anybody know if all well performing interns receive an offer at these firms or if they only provide job offers to a certain percentage? Thanks in advance!

Additional Posts in FIRE Financial Independence Retire Early

Anyone use the personal capital app? If so, how do you split investments for married folks? Example joint ownership of home etc

like

At what number do you feel like you’re making enough whether to satisfy your desires or just not feel guilty about spending money.I’ve been blessed to have my income raised a total of 85% throughout 9 years but shortly after each raise I still feel like it’s not enough to live by and that I’m always behind. I live in a high cost area and make triple of what my friends make yet it still doesn’t feel enough. Cont’d

like

I’m thinking about increasing my wealth but wanted to see what options I have. I don’t know much about stocks. I know real estate is a good way but not sure I have enough money for a second home right now. What other ways do you make extra income? My background is in audit, anything I can do with that in the side?

like

What percentage of your monthly income should be going towards rent? I live in a HCOL city.. so mines nearing half. I feel this is too much, but I’m still able to save a bit.

like

Do people tend to age out of wanting to FIRE?

In your 20s-30s, you don’t know much, you’re told what to do, you have few financial resources so you are tied to your job. Under these circumstances it makes perfect sense why you would want to FIRE asap.

But eventually you advance up the ladder, you are now the boss and your people do all the grunt work. You also have built up expertise which makes the job easier. And you are making the best money of your life. FIRE is no longer so pressing.

likesmart

Is there a limit on the amount of T-bills I can purchase in a year? I’ve already put $10,000 in a Series I savings bond. Now looking to purchase short-term T-bills during the bear market. Appreciate the help.

like

How do you feel about eviction moratoriums? Do you think they help or hurt access to affordable housing? Asking here because I suspect many of you own investment real estate.

like

If you had an extra 50K laying around and wanted to take advantage of the recent correction in growth stocks, what you invest in? ETFs or individual stocks welcome. Won’t need the funds for at least 6-12 months

like

Do I have too much cash ($35,000) in my high yield savings account? No immediate plans to buy a house (but could be an option). Rent is $2100 and have no other debt or month financial obligations.

like

Any market considerations before refinancing my student loan with current rates? They’re giving me a .75-1% drop.

It’s worth it to refinance at this rate to save paying $1000 of interest albeit credit gets hurt. My only concern is missing out on inevitable lower rates forthcoming.

like

I am 31. I have $750k in assets and 400 in liab. Net worth is 350. Largest assets (excluding real estate) are 120k in 401k, 40k in brokerage, 20k in crypto, 25k cash. Own property totaling $550k (2 condos) but debt of 350k so 200k of my net worth is in real estate. Student loans of 30k. Thread continued 👇🏽

like

How much do you donate each month/year? What is your total comp and age?

like

So... Trying to decide between buying a family car (7-8 seater) now vs later this year / early next year. Any suggestions on whether it makes sense to go for a new or old car and whether it makes sense to wait and buy now?

like

Can someone explain the Roth conversion ladder to me like I am idiot? Which is what I am 😎.

HHI over $350k and can’t do backdoor Roth because I have tIRAs…

like

If company only matches 6% should I only put 6% of income into 401k? Does it make sense to put more to lower tax bracket?

like

Mother has a decent nest egg ($3M) and lives in an extremely LCOL area. Currently manages money through RBC, however the fees are a gross operating expense of 0.36%. What do you all recommend? I’m not savvy enough to manage it myself however I know that fees can stack up and kill returns. Would appreciate any insight/advice/snark.

like

Got married, bought a house, doing a major remodeling, planning to have a kid… safe to say that I am no longer on track with my FIRE journey 🥲

likefunny
likeupliftinghelpfulfunny

Sup guys! Asked before, but curious to hear anything new: What are some side hustles you’ve been doing to get some extra income? Curious to hear some ideas for my own brainstorming. I used to flip couches off FB marketplace as a side hustle

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal