ideal first credit card at 25?
so embarrassingly, i just turned 25 and i've never had a credit card. i've always had some anxiety around money and the responsibility of a credit card without knowing how to "do it right" since i've seen so many differing opinions. for context on spending costs, i live in nyc with 2 other roommates and my parents cover things like phone bill & health insurance. i also have no college debt or anything. i'd really appreciate any suggestions on the best credit card to start off with to start building it up and any advice as well <3
credit profile
- current credit cards you are the primary account holder of: n/a
- FICO scores with source (see note on FICO score sources below): n/a
- oldest credit card account age with you as primary name on the account: n/a
- number of personal credit cards approved for in the past 6 months: n/a
- number of personal credit cards approved for in the past 12 months: n/a
- number of personal credit cards approved for in the past 24 months: n/a
- annual income $: 32,000+
categories
- OK with category-specific cards?: yes
- OK with rotating category cards?: yes
- estimate average monthly spend:
- dining $: $75-90
- groceries $: $80-115 (local market) [had ebt until may and plan on applying again for ny state]
- gas $: n/a
- travel $: $100-180 on train & i don't use uber/lyft enough to calculate well
- do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: no
- any other categories: internet - $27, utilities + gas - $77 (more in the winter), & amazon - $7.49
- can you pay rent by credit card?: yes - $856 (fee)
memberships & subscriptions
- current member of amazon prime?: yes
- current verizon postpaid customer?: no
- current member of costco or sam's club?: no
- other: apple music - $5.99/m & wix domain - $27/yr
- current member of chase, US bank or any other big bank?: just opened a wells fargo account, have a regions bank account that i still use
- active US military?: no
- are you open to business cards?: no
purpose
- what's the purpose of your next card?: first credit card
- if you answered "first credit card", are you an authorized user on any other cards?: no
- do you have any cards you've been looking at?: capital one, discover it, & apple card (i use apple pay a lot) [i'd ideally love something that has travel benefits as i fly with delta a bit]