Harold Rasmussen, Member
The best unsecured starter credit card with no annual fees is the Capital One Platinum Card because it has a $300 minimum credit line and a $0 foreign fee. It doesn't offer rewards, but after the first 6 months your account is open, you will be considered for a higher spending limit.
However, the Capital One Platinum Mastercard is not the best choice for financing, as any balance carried from month to month will accrue interest at a rather high interest of 29.74% (V).
If you're in college, you can get a better deal with a student credit card. Student cards are unsecured credit cards for no credit that are available only to college students. The Capital One Journey is a great contender for its unlimited 1% cash back on all purchases, plus a 25% bonus (for a total of 1.25% back) each month you pay the bill by the due date.
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