Hey, what's up guys and welcome back to a new video shawne's, the name and today we're going to talk about the five best starter credit cards you can get so now. This is not an irrational closed-minded Dave, Ramsey video telling you to cut up all of your credit cards, because it's the only way to financial freedom. We recommend plastic surgery, a plus ectomy at your house, dave's financial thing, cutting up credit cards and we are not using them any longer. I'm not a Dave Ramsey hater, but his credit card discussions honestly earth me.

So this is the opposite of one of those are going to be talking about the benefits of using a credit card, because there are benefits. Problem is most people, 80 % of people abuse them, and that's why they get a bad rep look credit card companies are like casinos, they just play the odds so majority of the time they're winning. So if you're on the losing end of that, it can literally ruin your life. So yes, majority of the time they win, but if you can beat them at their own game and 20 % of people are technically financially responsible to do so, then you can actually get some sick perks because of it.

So that's the point of this video we're gon na be talking about the cool perks. You can get from utilizing a credit card effectively and again. This video is going to be primarily for people who are starting out. So maybe you have one credit card or you have no credit cards at all, that's what this list is built around and before we get into my top 5 list.

I just want to say check the links in the description. I've made some videos in the past on how to actually raise your credit score, how to build credit all this kind of good stuff. Again, you don't want to be the vast majority that gets your life pretty much ruined from not knowing how to use credit. So don't be one of those people check the links in the description i've made some amazing videos that'll.

Give you a really good idea on how credit works seriously. Watch those videos before you open a line of credit you'll. Thank me later also in those videos. I raved about the Amazon Prime card cuz, that's one of my favorite cards of all time and a lot of people reached out and said Sean.

I can't get that card, it seems awesome, but I don't have credit scores or my credit scores aren't good enough. What cards should I get? Hence why words today, and also my bad for saying how awesome that card was and kind of hyping it up when a lot of people can get it not all is lost so today we're gon na be going over some amazing cards, and I just want to Say if you don't have any credit at all, you're, probably going to want to stick to my number five. My number four, maybe my number three, but as we get into my number three, my number two, my number one, that's when it starts getting into hey. This is where you kind of want a credit score, so it's not necessarily your first card you get, but it is still a beginner card, so I guess the higher we get on my list, the more like intense things get, but regardless this list is pretty simple.

Let's start out with the number five one: this is the simplest and bestest card. If you will that you can get if you've literally got zero credit at all, and it is the deserve edu credit card now this is a master card and here's why it's number? Five of my list, nine out of ten people who asked me to get started on credit, are in college. Okay, they don't have any scores at all. They want some sort of cash back well.

This card is literally that this card is amazing, because you can get one of these with zero credit. You get one percent cash back on all purchases plus. If you pay your cell phone bill with this card, you get up to a six hundred dollar protection plan against your cell phone. That's insane! Oh and you even get an Amazon Prime student membership.

With this, can it's like what sixty bucks now a hundred bucks down? Something like that and all this is folk free. There are zero dollars in annual or monthly fees. It's literally unbeatable, if you're a student, but wait guys, there's there's even more with this one. Sixteen percent of college students travel abroad in this card gets it all right.

That's why there's zero dollar foreign transaction fees on this, which is literally insane - and this is literally just the number five one on my list - it's an amazing card and a bonus to it - is the fact that you don't even have to provide a social security number. If you don't want to this card is available for international students who even study abroad. Here, it's pretty rare. I don't really know of many cards that even allow you to get a line of credit.

If you don't have a social security number so that end of itself is pretty incredible, not a lot of people talk about the deserve edu. Mastercard. I think it's absolutely phenomenal. It's the only number five spot, though, because you we have to be a student to get that card.

So moving on to number four, it's another phenomenal card. You don't have to be a student and you get a little bit better perks than the previous one. We're talking about the petal cashback Visa Card. I love this card.

Alright, it's the best part about this card. In addition to like the fact that you don't need any credit at all to get it, I don't even think they pull a credit report. It's the fact that it is literally zero fees whatsoever, no annual, slash, monthly fees, no late fees, no international fees, no fees fees. I mean literally nothing.

It's a free car plus it's like a trendy card, cuz like they get it as well. They know their market. So they've designed a product that fits it perfectly because they have a mobile app. That makes it like really easy to manage your money track.

Spending auto payments, yada yada - I mean I kind of feel like a Salesman for them right now, but you can get approved for one of these cards in seconds seconds. Okay, Anna reports to all three credit bureaus so it'll be great for building your credit scores. Oh, and I can't forget about the dope stuff that comes with it, you get one percent cash back on all purchases and then, after twelve months of on-time payments, you get one point five percent of cash back on everything. So it's basically free money go get it.

It's the simplest card ever to get highly recommend it. This card is literally changing the game. I'm probably gon na make a video solely dedicated to this card because it's so different than any other card on the market. I think it's phenomenal.

Also, another thing about all these cards we'll be talking about today is they'll all be linked down below cuz for some reason, there's so many ads revolved around credit cards and sometimes it's hard to find accurate information and also places where you can actually apply for the Card so I provided all those links down there for you guys if you want to check them out. You're welcome, but okay number number: three: the bronze medal goes to the chase freedom, credit card. Okay, again, like all cards on this list, there is a zero dollar annual fee right. If your starter card, you don't want to be paying for these things: okay, they're, all free, they're, all zero dollar annual fees, and it's pretty easy to get now.

I do think you need some sort of credit for this one. I could be wrong, but this bad boy gets you 1 % cash back on all purchases and if you spend $ 500 in the first three months, you get 150. I guess sign-on bonus now, disclaimer, just because you get a $ 150 sign-on bonus for spending $ 500 at the card in the first three months. That does not mean you go out and buy like a big screen TV or go to the bars and buy tons of drinks on this card guys.

You don't want to be that eighty percent of the credit card companies win on okay. You want to use credit to your advantage, so please do not go out and spend tons of money. Five hundred dollars in three months is ridiculously simple. If you were to eat out three times a week right, just three meals a week, three meals a week for three months straight, is usually over five hundred dollars.

That's not including your groceries, your gas, your whatever expenses you spend every month, five hundred dollars and three months is literally so simple. If you're not spending five hundred dollars every three months, then I need to get on your level of saving money, because I don't know how you're doing it, you're, probably living with someone else who's paying for all of your stuff, because I literally can never do that. Anyway, another really cool component of this card is the fact that you get 5 % cash back in bonus categories each quarter, so you have to activate it, which sucks, but, for example, q1 could be like 5 % cash back on gas and then q2 could be On food and etc, etc. So, overall it's a pretty solid card.

The bonus is really nice for a lot of people and it kind of puts you on track for getting in the swing of things of like a normal credit card, because again, this one's a little bit of a step up from the other two, this one's getting A little bit more serious now and it's got some great incentives, Plus that 5 % cash back on a starter card is like unheard of. So you definitely want to take advantage that, but anyway, the next card. My number two slot aka, the first loser - is going to be going to the bank of America. Cash rewards credit card.

Now I hate feeding the beast of big companies, slash banks, whatever okay, but I got ta respect them on this one. If you're, a bigger, spender and you've thought the hundred and fifty dollar bonus on the last card was dope, then you'll love this one, because if you sign up for this card, you get a two hundred dollar cash back. If you spend a thousand dollars in the first 90 days so again, please do not go out and spend loads of money just to reach that thousand dollar threshold. The spending limit is a little bit more challenging to some people, especially if you don't have a ton of income, but again remember if you eat out occasionally, if you throw your groceries in there, your gas in there, your other expenses, you should be able to reach A thousand pretty easily within 90 days, but again you do not want to be part of a statistic.

Do not let these credit card companies being used. So if you don't think you're gon na spend $ 1,000 in 90 days, then this card is not right. For you, but some more bonuses of this guy is you get bigger bonuses on cash back? Okay, so you get 3 % cash back in the category of your choice, which is cool. So if you travel a ton, then choose like gas or something like that.

Um! You get to pick, which is nice now also you get 2 % cashback on grocery stores and then, of course, 1 % cash back on all of the purchases, so really not a bad card. I actually know a lot of people who get this card as a starter card and they end up actually keeping it just because they liked it so much. I mean there's zero dollar annual fee on it. So a lot of people just like to keep it and and use it for small things in there it's a great card.

Now we get to talk about my number one pick on this list and I'm really sorry. I did tons and tons of research to try to find a card that actually beats this card, but I really couldn't find them, because this card is just that good. This is a lot of people's number one card again. It's just got some amazing benefits, so I tried finding something better and I really just couldn't do it.

It's pretty amazing. The number one card goes to the discover it cashback card. You probably hear about this card all over the news, but it's a pretty phenomenal card. They also have a secured credit card actually for people with no scores, but I really don't recommend that one, because it's not as good as some of the other secured cards that I mentioned earlier, so go get the peddle card like that one's amazing and if you're, A student, then you can get to deserve edu card, but again the peddle card is pretty solid.

If you're, not a student, and if you're going for a secured line of credit that you don't have any credit scores on. I highly just recommend you go get the peddle card, but this one is great because the discover it card the non secure line, the regular discovery card right. You get 5 % cash back in rotating categories, depending on the quarter right so like we previously talked about. Then you get 1 % cash back on everything else, and you have a 0 % APR interest rate on your balance for the first 14 months when you get the card, so it's great for you know trying to get into the swing of things with a new Credit card super helpful, in my opinion, oh and also in your first year discover this is the best part discover will match your cash back one to one.

So if, after twelve months of using this card, let's say you earned a thousand dollars in cash back, bonuses in your first year discovers going to go hey. Thank you so much for using our card. We appreciate your business. Here's another thousand dollars that we're just gon na give you that's pretty unheard of pretty amazing.

It's a phenomenal card, even if you just keep it for like a year or two and then kind of like cut it up or do whatever you want with it. It's a great card just to get that initial bonus on plus it's got some. It's got. Some amazing features the five percent cashback, the one percent of other purchases.

It's a pretty amazing card. I really like it. I actually use it for a little while before I actually upgrade it to a different card from discover again phenomenal card. Oh you also get some other cool benefits like your can.

Freeze it on and off slide prevent unauthorized use. Plus you get monthly FICO scores. This is huge, it FICO scores because other credit score checkers only really check like one of the bureau's like when I do mortgages, and I do like purchases and people are refinancing their mortgage. We have to always use the FICO score.

It really doesn't matter what, like your TransUnion Bureau score, is or like your experiment, like literally the FICO score matters, and I don't know of a lot of cards or a lot of services that give you a true FICO score. So that discover it feature is pretty awesome as well, so those are really the five best cards you can get one starting out. I've seen a lot of other lists online. Some of them have some of the cards I talked about, but a lot of the cards.

I mentioned I haven't really seen a whole lot about, especially my number five, my number four cards and look Dave and a few other influencers. Honestly. They they constantly on credit cards, and it drives me nuts, because they're living in an old age and times are changing. The financial industry is constantly changing.

Habits of individuals are constantly changing. If you can stay ahead of the curve and, like I said, beat the credit card companies you can literally cash in on some amazing perks. Believe me guys, I was close-minded at first. If you talk to anyone who knew me really well, my roommates, my parents, family members, friends guy, I was so against credit cards for the longest time.

I was always saying: pay cash for something and you can't pay cash. You shouldn't buy it and, while I do so believe, that's the case, credit cards can be more than that. All of my credit cards I pay off the second I get the statement in. I don't pay any interest on any of my credit cards.

I pay them off right away, but with spending the initial money on the credit card, I get so many amazing perks. I've made some really good money off that and honestly, like you, can't beat it if you're, financially savvy credit cards in the financial industry are constantly changing guys. Some people don't like to change with it. I do, though, I just want to say it's super important to not be a statistic.

I know I've said a lot in this video, but seriously be financially savvy with your money. Okay, just because you've got this credit card or you got approved for a credit card. Doesn't mean you screw on spending? What you should be spending on your credit card is the stuff that you would have been paying on your debit card. I don't spend more than what I should or more than what I need to all my monthly expenses go on.

My credit cards, my debit card automatically pays the credit cards off. Okay, it's a simple process. You get a lot of good stuff out of it. You do not want to overspend.

In fact, I think I've actually spent less now that I do this strategy of putting everything on credit cards and paying it off on debit cards, because I like to keep my credit limits very specific and Barratt, very particular. So if I start reaching a utilization higher than what I want it to be, then I stop spending until the end of the month as it is so I think I actually save money this way, just a personal thing, again, click the link in the description to Watch those other credit videos it'll, give you a huge upper hand when you are using your credit cards, because utilization is huge and so many people don't do it like. I was just mentioning, but anyway, hopefully you enjoyed the video. If you did, I would appreciate it if you, let me know in the comments or if you want to know what specific credit cards I have in my wallet.

Let me know down below also hit the little like button right. If you enjoyed the video, I really want to create more content. That's driven towards finance credit card stuff like that, and when you show you sport on the channel, it really means a lot to me. So the only two things you do now is hit the subscribe button and click.

The links down below this card is metal Dave. It's not gon na cut.