*Loan,banking and credit>>>best credit card

What is the best credit card for someone with no credit history?

I'm wanting to establish good credit but I don't know where to start. I don't want high interest and I know if you don't have credit history, your credit is bad. Please tell me which credit card I should get. Thanks.

You have a couple of options open to you. Orchard Bank offers cards to people either wanting to build or rebuild their credit. Another option woud be to check where you do you banking to see if secured credit cards are offered. Some of the major banks like Citi, Bank of America, Wells Fargo, and USBank all offer them. You can think of this as building credit with a savings account because that's how they basically work. You put a deposit that's usually tied to a savings account as collateral to establish a line of credit. You can increase the credit line by adding to the deposit which also gains interest like a savings account while you're building credit. Usually anwhere between 9-18 months of paying on time and keeping the balance low (around 25% of your available credit) the card either converts to a regular one, or a better card's offered and you get the deposit you started the account with back with interest. Usually more card offers come after you've built credit with your first card. I went ahead and posted links to Orchard Bank and some secured credit card websites as well.

I hope this answer helps you out,

Good Luck! Source(s): credit analyst/underwriter

Link(s) to secured cards

https://www.citicards.com/cards/wv/cardd...

http://www.bankofamerica.com/creditcards...

https://www.wellsfargo.com/credit_cards/...

http://www.usbank.com/cgi_w/cfm/creditca...

Link to Orchard Bank:

https://www.hsbcapply.com/start/orchardb...

My first card was a Discover card and my fiance's was a Capital One. Both were very good. I would recommend only using it for small purchases and paying it off in full every month. Right now you don't need to stretch yourself buy expensive things.
Get any card you can.

If you are good at making payments don't worry about the interest rate. Check the grace period and pay your card off in full when due. You won't have any interest expense and you'll develop credit. Once you get a better score you can get a better card with lower interest rates.

You gotta start somewhere. Take baby steps, you'll get there.
I think the best way to establish good credit is to start with a secured credit card. After 6-8 months, you can apply for non secured credit cards. I established mine that way.
A card with your credit union or bank is a great place to start.

Having no credit is not the same as having bad credit, but it is still a problem.
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