Credit Cards 101: Your First CCs

Credit Cards 101

In one of our last posts we discussed the difference between so-called “good” debt and “bad debt.” Generally, we covered that credit card debt (unless used to float interest) is bad debt. And that is still true today, Credit Card debt is BAD DEBT!

But still, credit cards can prove as invaluable tools to a savvy traveler. Or to avoid fraud, or maybe for just some sweet, sweet, rewards. Here are two of our favorite credit cards.

Discover It: Student Cashback

It needs no further introduction:

• $0 annual fee

• 1% cash back on all purchases

• 5% cash back on select categories (rotating every quarter)

• No international fee

• Student Option

A perfect starter card with great cash back. You can’t go wrong!

The Apple Card

One of the world’s most recognizable brands and cards: The Apple Card is surprisingly good.

• 1% on all purchases with card and card number

• 2% cash back on everything with Apple Pay

• 3% on Apple and some other categories

• No foreign transaction fees

• A built-in savings account

• Nice widgets!

A great all-rounder. One of my go-to!