Best Credit Cards for Young Adults and Young Professionals

If you’re just starting your career, a credit card can be a valuable part of your financial toolbox. The best credit cards for young adults have good rewards and benefits but low fees. The best credit cards for young adults all have a few things in common. They all have low (or no) annual fees. They all report to the major credit bureaus on a monthly basis, giving you the chance to steadily improve your credit score. And they all provide their fair share of perks. But the best credit cards for young adults differ in some important ways, too, just like young adults themselves. Some are attainable only for young professionals who’ve already built good credit. Others serve the needs of people with limited credit experience or a history of financial mistakes. Some require an active college or university email address, while others cater to young adults who’ve already entered the “real world.” They also come from several different credit card issuers. As such, their rates, fees, rewards and

Best Credit Cards for Young Adults and Young Professionals List

Citi® Double Cash Card

The Citi® Double Cash Card is an interesting cash back credit card with a unique offer.It offers 1% cash back on purchases when they are initially made, and then an additional 1% when those purchases are actually paid for. With no annual fee and a 18-month introductory APR of 0% on balance transfers, this is, by the numbers, one of the most rewarding general-purpose cash back credit cards available.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular card among travelers. It offers a hefty signup bonus, flexible points that transfer to many frequent traveler programs, and big discounts when redeeming points for travel through Chase Ultimate Rewards.You’ll get 2X points per dollar on travel and dining at restaurants. Use this card for all your travel and dining spending, and then use the points for travel expenses.People also like this card because it’s made of metal. It’s one of our picks for Best Travel Credit Cards.

Amex EveryDay Credit Card

The Amex EveryDay Credit Card is a good rewards card for people who make many purchases, spending a lot on groceries. It offers points for purchases, as well as a bonus for using the card more each month.You can get the most value for your points by transferring them to a travel partner. But the normal redemption options are pretty good too, providing up to 2.4% cash back depending on how you earn and redeem points.There’s an upgraded version of this card as well, the Amex EveryDay® Preferred Credit Card. See how they compare in our Review of the Amex EveryDay Cards.

Capital One® Journey® Student Credit Card

The Capital One® Journey® Student Credit Card is good for students with limited or average credit who want to build credit and get rewarded for it.This card is actually available to anyone, whether you’re a student or not. It’s a solid option to build or improve your credit, while earning a bit of cash back too.

Chase Sapphire Reserve

The Chase Sapphire Reserve Card is a brand new card, offering some of the best travel rewards and benefits on the market.You’ll get 3X points on travel and dining, as well as 50,000 point bonus for spending $4,000 in the first 3 months (worth $1,500 when redeemed through Chase Ultimate Rewards).You’ll also get a $300 travel credit each year, and other benefits and features that are worth hundreds of dollars. This is a Visa Infinite card, providing even more valuable services than Visa Signature.This card has a large annual fee of $450, so make sure you’ll be using it often enough to pay for the cost.

Citi® Diamond Preferred® Card

The Citi Diamond Preferred® Card is a solid credit card, offering an introductory APR of 0% for 21 months on balance transfers and 12 months on purchases. There are some fairly good benefits too. See how this card stacks up to a similar one in our comparison: The Citi Simplicity® Card vs. The Citi® Diamond Preferred® Card.

Airline Credit Cards

Citi® / AAdvantage® Gold World Elite™ Mastercard®

  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.99% - 24.99% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • No Foreign Transaction Fees on purchases
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Double AAdvantage® miles on eligible American Airlines purchases
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year

Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and guests with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

AAdvantage® AviatorTM Red World Elite MasterCard®

  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines
  • Earn 2X miles for every one dollar you spend on eligible American Airlines purchases
  • Group 1 boarding for the primary cardmember on domestic itineraries operated by American Airlines
  • Earn 1X miles on all other purchases
  • 10% of your redeemed miles back (10,000 maximum per calendar year)
  • No foreign transaction fees
  • 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
  • $95 annual fee

What Are Credit Cards For Young Adults And Young Professionals

Best Credit Cards For Young Adults And Young Professionals are credit lines designed for young people, such as college students and newly graduated students. In some cases, your credit line is self-financing through margin. At other times, the bank provides funds for your credit line and then repays the bank by paying your credit card company.

How To Pick Best Credit Cards For Young Adults And Young Professionals

1. Affordable Annual Fees: There are many cards 0 annual fees, but if you choose to pay Best Credit Cards for Young Adults and Young Professionals, make sure your money is worthwhile.

2. Compliance with your credit record: If your credit record is limited or not, your credit card options will also be limited. But you should look for a pre-approved discount because you may be eligible for cards you didn't expect.

3. Good reward: Find a card that offers the best reward for your daily consumption. sign up bonus are also very valuable.

4. Cost-saving travel discounts: Anyone who spends a lot of money on travel each year can use the special discounts on travel incentive cards to obtain Airport VIP rooms, travel credits and upgraded memberships of airlines and hotels.

5. 0% Introduce Rate: Avoid using credit card balances unless you are using a card with an annual interest rate of 0%.

6. No foreign transaction fees: If you travel abroad or use foreign currency to pay, please find a card without foreign transaction fees.

7. Reliable customer service: Poor customer support can be a nightmare, especially if you are not familiar with credit cards. In the main credit card issuing agencies, there is generally decent customer support.

How To Use Credit Cards For Young Adults And Young Professionals

1. As long as your account is reputable, the information reported will be positive and your credit score will rise. If you pay your bills on time every month, or if you don't make any purchases and keep a zero balance, your account will maintain a good reputation.

2. Setting up an automatic monthly payment: Payment history is the most important part of credit scoring. Setting up an automatic monthly payment from a bank account is the easiest way to ensure that you don't lose your credit line because of many things. This is especially important for young people who often take on many new obligations. Just make sure you have enough money in your bank account to pay at least the minimum monthly payment for your card.

3. Use less than 30% credit line: The monthly credit card expenditure limit (also known as credit utilization rate) you use is an important part of the credit score, but also one of the most easily controlled credit scores. In addition to reducing expenses and paying higher fees, you can also reduce credit utilization by paying credit card bills several times a month. Credit utilization is calculated using the balance listed on the monthly statement.

4. Check your transactions monthly: If you are not careful, luxury goods will soon become a necessity. In addition, when you are young, avoiding debt and maximizing savings are key. You don't want to end up paying for fraudulent purchases either. These are good reasons to scan at least the purchases listed in your monthly credit card statement.

5. Pay close attention to your credit score: You can improve your credit score in a few months to qualify for Best Credit Cards For Young Adults and Young Professionals. Watching your credit score rise will help you determine when to apply.

Should You Get Best Credit Cards For Young Adults And Young Professionals

Credit cards are a convenient way to track your expenses and manage your finances. They are also important tools for building credibility and can help you in your future life. Find Best Credit Cards For Young Adults and Young Professionals that best suit your needs. If your choice is limited by low (or no) credit, start with the basic card to show that you are a reliable credit card user. Enhance your credit record and you will soon be eligible for a reward card. Whether you go to a local community college or to the Ivy League, being a student is all about learning. Before entering the real world, one of the most important things you can and should learn is how to manage your finances, including your credit. One of the easiest ways to start the credit world is to enter directly. So you need the Best Credit Cards for Young Adults and Young Professionals. Credit cards designed specifically for students are a good way to reduce your credit limit because they are often easier to obtain without established credit records. Our favorite student card welcomes first-time cardholders, without annual fees, and even includes a reliable cash return reward for each purchase.

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Best Credit Cards for Young Adults and Young Professionals Tips

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  5. Want to know some products discounts or rewards programs? Make sure your Best Credit Cards for Young Adults and Young Professionals phone numbers is correct, there will be text alerts.

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