Establishing credit is a process. We invite you to read our informative guide to establishing credit before applying for any credit card.

College students seeking to establish credit should consider a student credit card from Chase, Citibank or Discover which are tailored to their needs.

Our Assessment
Establishing credit is a process. People with little or no credit history should be prepared to pay an annual fee and a higher APR than those who have established credit. People who have been turned down for a credit card should consider a secured card as an avenue to establish their credit.