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Credit Card Applications » Questions » User Questions » Build Credit History » I have never had a credit card before and I was interested in applying for one so I could ...

I have never had a credit card before and I was interested in applying for one so I could begin establishing my credit history. I was wondering if the Amtrak credit card would be a good card for me to start with. Do you think so? Or are there any other cards you would recommend.

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Leo Zhu

When it comes to looking for a credit card to use as a tool to start building your credit profile, there are a few features you are going to want to ensure you have in that card. First of all, you want to make sure the card you apply for is reporting your credit activity to major credit bureaus. The Amtrak Guest Rewards credit card is issued through Bank of America so luckily your credit activity will be reported. In addition, this card does have a fair APR along with access to a good rewards program. I would say this is a good card to start with; however, it is such a high-end card, that they may not issue it to applicants who have no credit history. You should try and find a general credit card and ensure you spend on it wisely. Late payments could reflect negatively on you. Apply for the Amtrak card once you’ve established a good credit history or your application will likely be denied.

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