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...

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation fromour advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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.

Answered on Sep 2, 2015

Updated on Sep 2, 2015

The content is accurate at the time of publication and is subject to change.

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.

tags : Credit Report Store Cards Gas Stations

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

questions RELATED
TO THIS TOPIC

Does the Chime® Credit Builder Visa® Credit Card act like a traditional credit card? What would be my credit limit for the card?

The Chime Secured Credit Builder Visa^® Credit Card is a secured card linked to a Credit Builder Secured Account. It works just like a regular credit card in that you can use it to buy gas, groceries, or household goods anywhere Visa is accepted. With consistent...

Can I get a Neiman Marcus Credit Card if I have bad credit history?

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this may harm...

My credit score is poor. Which credit card will raise my credit scores quickly?

First of all, note that improving your credit score is not a quick process. It may take up to a couple of years to turn bad credit into good credit. But if you want to improve your credit score faster, keep your credit accounts in good standing,...

Will I build credit with a store credit card?

You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily, most store credit cards are...

I’ve been using my Aspire credit card for a year or so and now I’m closing it because my credit score hasn’t changed much even though I’ve never paid a penny late. Can you recommend me a credit card that will give a real improve to my credit?

You can apply for a credit card issued by a major bank and not by a credit union. Banks usually report credit card activity every month to all three major credit bureaus, so you will be able to see credit score changes as fast as in three months....