Young Adults | Credit Card Topics

How to Start Building Credit at 18

By: Eric Bank, 4/18/2022

I must admit that I had no idea how to start building credit at 18 when I first arrived at the NYU campus. The topic was not on my radar and wouldn't be for the next four years. Of course, few students had credit cards back then, Nixon was president, and the Vietnam War occupied much of our attention. Things are quite different today. Folks in their late teens can't help but confront vexing issues about finding a job or an affordable college. Tales of lifelong student loan... read more »

12 Best Credit Cards For Young Adults

By: Brittney Mayer, 3/14/2022

The best credit cards for young adults can make your financial life a whole lot easier. As a young adult, however, the options for establishing your credit may be limited by your age and inexperience. No one under the age of 18 can be considered for credit on their own. Furthermore, the CARD Act of 2009 prevents young people under the age of 21 from obtaining a personal credit card without proof of income or an adult co-signer with good credit. Even when you do meet the... read more »

Best Credit Cards For 18-Year-Olds

By: Adam West, 3/8/2022

Turning 18 can be an exciting time, full of new adventures. Many will leave home for the first time, vote for the first time, and buy their first Powerball ticket in the fruitless hope of becoming a millionaire. At one time, another rite of passage for newly-minted 18-year-olds was to signup for their first credit card, choosing from among the bounty of applications inevitably hitting their mailbox — until the CARD Act of 2009. These days, the CARD Act (Credit Card Accountability,... read more »

Low Interest Credit Cards For Beginners in 2022

By: Eric Bank, 12/14/2021

If you're young and want it all, check out our roundup of low interest credit cards for beginners. These are genuinely great deals. Not only do you get your first credit card, but you also get one with a relatively low interest rate. For credit newbies who need to watch every penny, these cards can save you some significant coinage over the course of a year. Students | Unsecured | Secured | FAQs Low Interest Student Credit... read more »

Till Financial: A Debit Card and App That Helps Prepare Kids for Brighter Financial Futures

By: Jon McDonald, 10/6/2021

In a Nutshell: Till Financial is a collaborative family banking app and debit card designed to help kids become financially savvy. Young adults new to credit and finances often make money mistakes. Till Financial helps children and their families track expenditures, develop spending goals, and reward smart financial decisions. Later, when kids age out of Till’s services, they are connected to a marketplace that offers them appealing debit, credit, and loan offerings. Many... read more »

Best Credit Cards For Young Adults in 2022

By: Ashley Dull, 3/3/2021

In the sports world, a head start may be against the rules — but in the financial world, the best credit cards for young adults are a great way to lay the foundation for a successful future. With these cards, you can start to build a credit score, while proving to banks that you’re responsible with your bills and monthly budget. That is a great advantage to have when you’re ready to make a big purchase — such as a home or a car — in the future. And since most of these cards... read more »

Citi Pathways to Progress: How the Credit Card Issuer Helps Youth Develop Valuable Career Skills

By: Matt Walker, 2/8/2021

In a Nutshell: Unemployment remains a persistent problem in communities all over the world, but one component that often goes overlooked is youth unemployment. Citi, the world’s largest credit card issuer, is addressing this matter with its Pathways to Progress initiative. The program helps to prepare young people, particularly those in underserved communities, with skills and networks to succeed in today’s economy. Since launching in 2014, the program has reached more than 850,000... read more »

Understanding Credit Cards: A Beginner’s Guide

By: Marcie Geffner, 11/13/2019

Similar to your first job, car or apartment, your first credit card is an important milestone on your journey from youth into adulthood. To do adulting right, you'll want at least one card in your own name. While you can manage your personal finances without any cards, you'll find life in the grownup world is much easier with them. Cards can help you shop online, rent a car, book an airline ticket, reserve a hotel room, set up cellphone service, and more. Cards for beginners... read more »

18 Best Credit Cards for 20- to 30-Year-Olds

By: Adam West, 9/20/2019

In recent years, the term millennial has become almost a punch line for jokes about the younger generation, as well as a tag placed by marketers who want to capture the attention of this elusive group. But in the finance industry, this group is the most sought-after consumer demographic, accounting for more than $600 billion in spending this year alone. So, it’s no surprise that banks have created several cards to appeal to this demographic. We’ve broken down the best credit... read more »

RentPath and Its Family of Brands Deliver Convenient Renting Experiences to Consumers in the Digital Age

By: Matt Walker, 8/29/2019

In a Nutshell: RentPath maintains a family of leading brands focused on making the rental process painless for modern renters. Rentals.com is geared toward helping seekers find the perfect single-family home, and its RentPay solution allows renters to pay any landlord through a convenient electronic process. Apartment Guide, RentPath’s longest-running brand, focuses on potential renters looking for the ideal apartment but who may need a little extra guidance along the way. And... read more »

10 Best Credit Cards for Young Professionals in (2022)

By: Erica Sandberg, 7/22/2019

Twenty-three percent of millennials don't have a credit card, according to TD Bank's 2019 Annual Consumer Spending Index, which means they’re missing out on benefits that can enhance their lives. So, should you pick a card, any card, and be done with it? Oh no. If you're an emerging career-driven consumer, getting the account that best suits you requires some consideration. After all, you wouldn't buy a new laptop without first investigating the advantages and prices of the... read more »

15 Best Credit Cards for Young Travelers

By: Adam West, 6/20/2019

Traveling is one of the greatest joys in life. There’s nothing like seeing new things, experiencing different cultures, and creating memories that will last a lifetime. Perhaps that’s why young adults are traveling more than any generation before them. If you’re the type who doesn’t like to stay in one place for too long, or if the travel bug recently bit you, welcome to the club. Thankfully, there are many credit card options that can net you rewards that make traveling... read more »

Wedbush Seeks to Groom the Next Generation of Financial Professionals through Its WISE High School Educational Program

By: Adam West, 4/16/2019

In a Nutshell: The Wedbush Investment in Student Education (WISE) program gives Wedbush, a leading financial services and investment firm, a new platform to help young students learn financial literacy skills. Through a partnership with PUC Schools, local Cal State Los Angeles professors teach area high school students basic financial knowledge. A more advanced course teaches students about stock trading. Participating students can earn scholarship money, internships, and gain... read more »

11 Best Credit Cards for Beginners: 2022 Guide

By: Aaron Crowe, 3/27/2019

Finding the best credit card for beginners may seem like a challenge, with a seemingly endless number of cards available today. But it doesn't have to be an overwhelming experience. Building credit from scratch can seem like a Catch-22. Without good credit, you won't qualify for many of the best credit cards. But if you don’t have a credit card, it's difficult to build good credit. How do you deal with that conundrum? By getting a basic credit card as your first credit card and... read more »

Best Credit Cards For Millennials of 2022

By: Brittney Mayer, 6/21/2018

Although the media likes to portray millennials as youngsters who live on their phones, that image needs to grow up — because those millennials certainly have. In fact, most millennials are well into their twenties, with the older faction of the generation pushing 40. Yes, all the millennials are now full-fledged adults, with all the trappings that implies — like credit cards. While millennials are growing up, their adult lifestyles reflect their coming of age in a digital... read more »

15 Best Credit Cards for Teens in 2022

By: Brittney Mayer, 3/30/2018

In the article below, we'll take a look at some of the best credit cards for teens. Establishing credit and learning good spending and saving habits can prove extremely valuable as young people prepare to enter college and the workforce. In 2017, the average kid in the U.S. took home an allowance of around $8.74 a week, about the cost of a super-sized fast-food meal — or a really rockin' fidget spinner. Although the amount may seem laughably small to the typical working adult, it... read more »

DCU Helps More than 600,000 Members Realize Their Financial Goals through Educational Programs & Fair Banking

By: Aaron Lay, 8/10/2017

In a Nutshell: Considering how convoluted personal finance can be, it’s never too early to start learning. But financial literacy and teaching young people responsible money management may not be that high on the list of subjects school systems promote. Massachusetts-based Digital Federal Credit Union (DCU) is shattering the conventional image of a financial institution by providing free informational resources to members and the public at large. Its StreetWise Consumer Education... read more »

Build Your Brand & Promote Your Passion: about.me Offers Side Hustlers Marketing Solutions that Scale with Growing Demand

By: Mike Randall, 7/14/2017

In a Nutshell: Offering free personalized webpages, about.me is a platform where freelancers, entrepreneurs, and side hustlers can expand their audience and attract new clients. The simple design interface and step-by-step process lets anyone build an online presence to amplify their brand and image. It’s a way for side hustlers and creative types to showcase their talents, accomplishments, and skills, as well as link to their social network and promotional pages. By answering a few... read more »

Money Under 30: How David Weliver Paid $80K in Debt in 3 Years & Documented It as a Resource for Young Adults

By: Ashley Dull, 12/2/2015

In a Nutshell: David Weliver paid off $80,000 in combined student loan and credit card debt in just three years by committing to increasing his income and decreasing expenditures. During his journey to overcome substantial debt, he began blogging about his accomplishments and MoneyUnder30.com was established as a resource for young adults in similar situations. Today it is a leading personal finance website that provides approachable, nonjudgmental financial advice to 500,000+ monthly... read more »

Study: 2 in 3 Millennials Hate Credit Cards

By: Alexandra Leslie, 11/26/2014

Credit cards may be one of the best ways to build credit, but a new survey commissioned by Bankrate found the majority of one generation wants nothing to do with them. And it's not the generation you might expect. A massive 63 percent of millennials — yes, those aged 18 to 29 who are typically known for bad credit card habits — currently do not have a credit card, according to the survey. A meager 23 percent of millennials have one credit card. Only 6 percent of millennials... read more »

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