As a newcomer to the United States, here are three recommended credit cards for you:
- Chase Freedom Unlimited: This card has no annual fee and offers 1.5% unlimited cash back on all purchases. It also has a special sign-up bonus where new cardholders can earn additional cash back after spending a certain amount within the first three months. Additionally, it provides some travel and shopping insurance benefits.
- Chase Freedom Flex: This card also has no annual fee and offers 1% cash back on all purchases, with certain bonus categories earning an additional 5% cash back. Similar to the Chase Freedom Unlimited, it has a sign-up bonus for new cardholders and provides travel and shopping insurance benefits.
- Discover it Cash Back: This card has no annual fee and offers 1% cash back on all purchases, with select bonus categories earning 5% cash back. A unique feature of this card is that it doubles the cash back you earn in the first year. It also provides free FICO credit score reports and some shopping insurance benefits.
These Freedom credit cards are popular choices for newcomers as they help you build credit history while earning cash back rewards. Before applying, make sure you understand all the terms and conditions of the card and use it responsibly by making timely payments to avoid interest and fees. Additionally, remember to budget your expenses responsibly based on your financial situation and develop good credit habits.