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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » What is the best credit card to apply for with no credit history? I am employed. Is it ...

What is the best credit card to apply for with no credit history? I am employed. Is it bad to apply to a few different credit cards? Does it affect my credit?

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Leo Zhu

One of the best credit cards for people with limited or no credit is the Capital One® Cash Rewards for Newcomers. The card charges no annual fee and offers a cash back program. You will get 2% cash back on travel purchases and 1% cash back on all other purchases. Your credit performance will be reported to major credit bureaus, which means you may build a solid credit history.

If you want to apply for more than one credit card, you can do it. But remember, every time you apply for more than one card on the same day or at close intervals it can negatively affect your credit score. Also, try not to apply for two or more cards issued by one bank. It lessens your chances of being approved. Choose cards from different issuers and select ones appropriate for your credit score.

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