First Time Credit Card Offers | Credit Cards First Time Applicants
Are you getting a credit card for the first time? First time credit cards are designed to help introduce individuals to credit cards. There are several types of cards for first time card holders. Below is a list of credit cards that first time credit card applicants may apply for online.
The new Discover it card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible...Choose your own due date and pay up to midnight ET online or by phone.
Human...talk to a real person any time with 100% U.S.-based service.
Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
0% intro APR* on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%. *Click apply for Terms & Conditions
*Click apply to view rates, fees, rewards, limitations and other important information
Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0% on Purchases*
6 Months*
12.99%-18.99%(Variable)*
None*
N/A*
Fair Credit*
Excellent Credit
750-850
Good Credit
660-749
Fair Credit
620-659
Bad/Poor Credit
350-619
No Credit
0-0
Do You Know Your Credit Score? Find Out Now!
A credit score
is a number generally between 300-850, based on a statistical
analysis of a person's credit files. This score represents the credit
worthiness of a person. A credit score is assigned to each individual, to rate
how risky a borrower he or she is--the higher the score, the less
risk the individual poses to creditors. In most cases, your credit score will determine whether you will be
approved for a credit card.
1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories:
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Online " button you can review the credit card terms and conditions on the credit card issuer's web site.
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