What credit cards are worth getting?

The biggest benefits of credit cards are interest-free financing, $0 fraud liability, and the opportunity for credit building. There are also so-called “secondary credit card benefits”, which may include things like price protection, rental car insurance, and extended warranty protection. In other words, the right credit card can give a cardholder much more than simple spending power.

Some people find it easier to avoid credit cards out of fear of making credit mistakes. However, the more you...

The best credit card for beginners with no credit is the Petal® 2 Visa® Credit Card because it has a $0 annual fee, it reports to the major credit bureaus monthly, and it offers 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time. It also offers high approval odds to people who are new to credit and does not require a security deposit.

Beginners with no credit should also consider secured cards as an alternative. They’re typically easier to get than unsecured cards and have lower fees in...