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Best Credit Cards for Young Adults

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Are you a young adult and would like to ask me, “What are the best credit cards for young adults?” or a recent college graduate willing to ask, “What’s the best starter credit card for me?”. Then this guide is for you.

What’s the best first credit card you can get?

When choosing the best credit cards for young adults, I will advise you to look for cards that:

Offer better-than-average approval odds for consumers with shorter credit histories.Reward spending in categories such as dining, travel or Amazon purchases.Do not charge excessive fees.

Also, See:

Best credit cards for young adults

Choosing a first or second credit card depends on whether you have had a good credit score or not. If you are not sure, you can browse around for a credit score estimator to understand the best credit cards for you.

Best credit cards for young adults—good credit

The best credit card offers to attract new creditworthy customers with promotions like cash sign-up bonuses, 0-per cent intro APRs and generous rewards programs. They require good or excellent credit, which means you will need to have the following:

Open loan and credit card accounts for five years or moreNo late payments in the last two yearsNot applied for credit more than twice in the previous year

If you’re a young professional with established credit, you should consider having one of these credit cards:

Discover it® Cash Back

My top cashback credit card pick for young adults is the Discover it® Cash Back. The Discover it® Cash Back requires good credit, but it offers benefits that are hard to beat if you have it.

Its rewards include generous cash, reasonable interest rates, top-rated US-based customer service, awesome account apps, and late payment forgiveness.

The Discover it® Cash Back gives you 5 per cent cashback in new bonus categories like gas, restaurants, Amazon and more—up to $1,500 every quarter you activate alongside unlimited 1 per cent cashback on all other purchases.

Chase Sapphire Preferred

The Chase Sapphire Preferred is one of our favourite travel rewards cards, especially for the big-spending type. It earns you 2 points per $1 spent on travel and dining and a point per $1 spent on anything else.

In addition, you can get sign up bonus points of 50,000 after spending $4,000 on purchases in the first three months from account opening, making a total of $625 value.

Capital One® Savor® Rewards Credit Card

The Capital One® Savor® Rewards Credit Card can help you save big on dining and entertainment and can snag an impressive cash sign-up bonus in your favour. It offers an unlimited 4 per cent cashback on dining and entertainment with 2 per cent at grocery stores and 1 per cent on all other purchases.

It has a $500 sign-up bonus after you might have spent $3,000 on purchases within the first three months from the account opening.

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card gives a sign-up bonus of 25,000 bonus points for new customers who spend $1,000 on purchases within 90 days of account opening. You can also earn an unlimited 1.5 points per dollar spent on most of your assets.

Each point is worth one cent as statement credits towards travel purchases. Also, existing Bank of America® checking and savings account holders can earn a 10 per cent customer points bonus, adding up to 1.65 cents per dollar spent.

The Bank of America® Travel Rewards credit card has no foreign transaction fee.

Details: Best credit cards for young adults—average/limited credit

If you don’t have much of a credit history, shopping for cards can be frustrating. If most of the rewarding credit cards are still out of your reach, some good credit cards are still designed for consumers with average or limited credit.

That you have an average credit means you have:

Opened loan and credit card accounts for three years or moreNo more than one late payment in the last yearNot applied for credit more than twice in the previous six months.

However, if you fall into this category, here are some cards to consider:

Capital One® QuicksilverOne® Cash Rewards Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card provides a good chance of approval with a modest annual fee (waived the first year) and a generous 1.5 per cent cashback. It earns 1.5 per cent cashback on every purchase.

Capital One® Platinum Credit Card

The Capital One® Platinum Credit Card is an excellent primary credit card with no annual fee for average or limited credit applicants.

The Capital One® Platinum Credit Card is an ideal starter credit card if you have a little credit history. You won’t earn rewards with this card, but there’s no annual fee to worry about, either.

Another great thing about Capital One is that they offer cards like this and great prime rewards cards. So if you start with a Platinum card and use it responsibly for a while, you may be able to upgrade your account.

Discover it® Student Cash Back

If you’re in college, the Discover it® Student Cash Back should be your first credit card. It offers all the fantastic benefits of a Discover card with a highly increased chance of approval.

With the no-annual-fee Discover it® Student Cash Back, you will get 5 per cent cashback in new bonus categories like gas, restaurants, Amazon and more—up to $1,500 every quarter you activate and unlimited 1 per cent cashback on all other purchases.

It also earns a $20 statement credit each school year your GPA is 3.0 or higher for the next five years.

Best first credit cards for customers with no credit

If you’ve never had a credit card or loan before, a secured credit card offers your best chance of approval.

If you have no credit or minimal credit, you’ll need to read up on building credit for the first time. You’ll often need to get a particular type of product called a secured credit card that works like a debit card that helps you build your credit.

Discover it® Secured

This is unarguably one of the only available cards for people with poor credit that offers cashback. A good option for a secured card is the Discover it® Secured. It only requires you a minimum $200 security deposit to open an account.

Better than most secured credit cards, Discover it® Secured gives you cashback. You will earn 2 per cent back at restaurants & gas stations. In addition, you’ll make 1 per cent back on all other purchases.

Capital One® Secured MasterCard®

The Capital One® Secured MasterCard® has no annual fee and immediately allows you to begin building credit with responsible use.

A secured credit card works like a prepaid debit card—you must first make a deposit. Unlike a prepaid card, however, a secured credit card builds credit when used responsibly, with regular reporting to the three major credit bureaus.

The Capital One® Secured MasterCard® will get you an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness. Then get access to a higher credit line after making your first five monthly payments on time with no additional deposit needed.

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Original Post: livetechnoid.com

Money

Oppo A96 5G Full Specifications and Price

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Here are the full specifications of the Oppo A96 5G smartphone device and the price you need to know before buying one with your money or on credit.

Phone Details

Oppo A96 5G model has excellent specifications. It comes with a 6.43-inches screen with a 1080 x 2400 pixels resolution IPS display panel housing the front 16 MP selfie camera lens.

Qualcomm SM6375 Snapdragon 695 5G (6 nm) processor with an octa-core CPU and Qualcomm Adreno 619 GPU. It has 8GB RAM and 256GB internal storage. Amazingly, it is 4G LTE network enabled. Oppo A96 5G houses a 4500mAh battery and runs on Android 11 (ColorOS 12).

Also, See:

Xiaomi Watch S1
Honor Watch GS 3
Motorola Moto Tab G70

It has dual cameras on the back, a 48 MP primary lens and a secondary 2MP lens with LED flash and comes in different colour variants such as Black, Pink and Aurora. This, however, is just a sneak peek; kindly check the table below for all the features that come with the device.

Oppo A96 5G Full Specifications

General

Brand
Oppo

Model
A96 5G

Display
IPS LCD capacitive touchscreen with 16M colours

Body type
Glass front

Protection
Corning Gorilla Glass 3 or Panda

Dimensions
159.85 x 73.17 x 7.49 mm

Weight
171 g

Battery capacity
Li-Po 4500mAh, non-removable

Fast charging
Yes, 33W

Wireless charging
No

Uptime
N/A

Colour variants
Black, Pink and Aurora

Released year
January 2022

Display

Screen size
6.43 inches

Resolution
1080 x 2400 pixels at 411 PPI density

Aspect ratio
20:9 ratio

Hardware

Processor
Qualcomm SM6375 Snapdragon 695 5G (6 nm) chipset

Octa-core 2×2.2 GHz Kryo 660 Gold and 6×1.7 GHz Kryo 660 Silver CPU

Qualcomm Adreno 619 GPU

RAM
8GB

Internal storage
256GB, MicroSD expandable

MicroSD Limit
Up to 512GB

Camera

Rear camera
Dual Lens, 48MP camera at f/1.7 aperture and 2MP at f/2.4 with LED flash and HDR

Front camera
Single Lens, 16 MP camera

Camera functions
Autofocus, Digital zoom, Touch focus and Camera ring notification light

Software

OS
Android 11

Skin
ColorOS 12

Connectivity

Wi-Fi
Yes

GPS
Yes

Bluetooth
Yes

NFC
No

USB type
USB Type-C 2.0, USB On-The-Go

SIM type
Dual, Nano-SIMs

GSM/CDMA
GSM

2G
Yes

2G bands
GSM 850 / 900 / 1800 / 1900

3G
Yes

3G bands
HSDPA 800 / 850 / 900 / 1900 / 2100

CDMA2000 1x

4G/ LTE
Yes

4G bands
LTE band 1, 3, 5, 7, 8, 34, 38, 39, 40, 41

5G
Yes

5G bands
5G band 1, 28, 41, 77, 78

Speed
HSPA 42.2/5.76 Mbps, LTE-A, 5G

Sensors

Fingerprint
Yes, side-mounted

Proximity
Yes

Barometer
No

Accelerometer
Yes

Gyroscope
No

Compass
Yes

Others
Face ID

Sound

Loudspeaker
Yes

3.5mm jack
Yes

MISC

Also in the box
Charging Adapter, USB Cable and User Manual

Also, See:

TCL 205
OnePlus 9RT 5G
Tecno POP 5 Pro

Oppo A96 5G Price

Oppo A96 5G is priced at around $309 in the United States, €270 in Europe and ₦128,100 in Nigeria. Prices in other specific countries and currencies are provided below.

United States
$309

United Kingdom
£225

Europe
€270

China
¥1,960

India
₹22,980

Nigeria
₦128,100

Ghana
Gh₵1,935

South Africa
ZAR4,739

Kenya
Ksh35,070

The post Oppo A96 5G Full Specifications and Price appeared first on Livetechnoid.com.

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Money

AT&T Fusion Z Full Specifications and Price

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Here are the full specifications of the AT&T Fusion Z smartphone device and the price you need to know before buying one with your money or on credit.

Phone Details

The AT&T Fusion Z model has great specifications. It comes with a 6.0-inches screen with a 720 x 1440 pixels resolution IPS display panel housing the front 5 MP selfie lens.

The processor is Qualcomm QM215 Snapdragon 215 (28) with a quad-core CPU and Qualcomm Adreno 308 (485 MHz) GPU. It has 2GB RAM and 16GB internal storage. Amazingly, it is 4G LTE network enabled. AT&T Fusion Z houses a gigantic 3300mAh battery and runs on Android 11 (Go Edition).

Also, See:

Oppo A96 5G
Blackview Tab 6
Cricket Influence

It has a single camera on the back, a 5 MP primary lens, with LED flash and comes in Matrix Blue colour. This, however, is just a sneak peek, kindly check the table below for all the features that come with the device.

AT&T Fusion Z Full Specifications

General

Brand
AT&T

Model
Fusion Z

Display
IPS LCD capacitive touchscreen with 16M colours

Body type
Glass front, plastic back

Protection
Scratch Resistant Glass

Dimensions
159 x 76 x 8.9 mm

Weight
179 g

Battery capacity
Li-Po 3300mAh, non-removable

Fast charging
No

Wireless charging
No

Uptime
N/A

Colour variants
Matrix Blue

Released year
March 2021

Display

Screen size
6.0 inches

Resolution
720 x 1440 pixels at 274 PPI density

Aspect ratio
18:9 ratio

Hardware

Processor
Qualcomm QM215 Snapdragon 215 (28) chipset

Quad-core 1.3 GHz Cortex-A53 CPU

Qualcomm Adreno 308 (485 MHz) GPU

RAM
2GB

Internal storage
16GB, MicroSD expandable

MicroSD Limit
Up to 64GB

Camera

Rear camera
Single Lens, 5 MP camera with LED flash

Front camera
Single Lens, 5 MP camera

Camera functions
Autofocus and others

Software

OS
Android 10 (GO Edition)

Skin
N/A

Connectivity

Wi-Fi
Yes

GPS
Yes

Bluetooth
Yes

NFC
No

USB type
USB Type-C

SIM type
Single, Nano-SIM

GSM/CDMA
GSM

2G
Yes

2G bands
GSM 850 / 900 / 1800 / 1900

3G
Yes

3G bands
HSDPA 850 / 900 / 1800 / 1900 / 2100

4G/ LTE
Yes

4G bands
LTE band 1, 3, 5, 7, 8, 28, 40, 41

5G
No

Speed
HSPA 42.2/5.76 Mbps, LTE-A

Sensors

Fingerprint
No

Proximity
Yes

Barometer
No

Accelerometer
Yes

Gyroscope
No

Compass
No

Others
Face ID

Sound

Loudspeaker
Yes

3.5mm jack
Yes

MISC

Also in the box
Charging Adapter, USB Cable, TPU Silicon case and User Manual

Also, See:

Oppo A96 5G
Tecno POP 5 Pro
Tecno POP 5 LTE India

AT&T Fusion Z Price

AT&T Fusion Z is priced at around $79 in the United States, €69 in Europe and ₦32,700 in Nigeria. Prices in other specific countries and currencies are provided below.

United States
$79

United Kingdom
£59

Europe
€69

China
¥500

India
₹5,875

Nigeria
₦32,700

Ghana
Gh₵495

South Africa
ZAR1,209

Kenya
Ksh8,970

The post AT&T Fusion Z Full Specifications and Price appeared first on Livetechnoid.com.

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Money

OnePlus 9RT 5G Full Specifications and Price

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Here are the full specifications of the OnePlus 9RT 5G smartphone device and the price you need to know before buying one with your money or on credit.

Also, See:

Phone Details

OnePlus 9RT 5G Full Specifications

General

Brand
OnePlus
Model
9RT 5G
Display
AMOLED, 120Hz, HDR10+
Body type
Glass front (Gorilla Glass 5), glass back (Gorilla Glass 5), aluminium frame
Protection
Corning Gorilla Glass 5
Dimensions
162.2 x 74.6 x 8.3 mm
Weight
198.5 g
Battery capacity
Li-Po 4500 mAh, non-removable
Fast charging
Yes, 65W

100% in 29 min

Wireless charging
No
Uptime
N/A
Colour variants
Hacker Black, Nano Silver and Blue
Released year
October 2021

Display

Screen size
6.62 inches
Resolution
1080 x 2400 pixels at 397 PPI density
Aspect ratio
20:9 ratio

Hardware

Processor
Qualcomm SM8350 Snapdragon 888 5G (5 nm) chipset

Octa-core 1×2.84 GHz Kryo 680, 3×2.42 GHz Kryo 680 and 4×1.80 GHz Kryo 680 CPU

Adreno 660 GPU

RAM
8GB, 12GB
Internal storage
128GB, 256GB, MicroSD non-expandable
MicroSD Limit
No

Camera

Rear camera
Quad Lens, 50 MP camera at f/1.8 aperture, 16 MP at f/2.2 and 2 MP at f/2.4 with Dual-LED flash, Panorama and HDR
Front camera
Single Lens, 16 MP camera at f/2.4 aperture with Auto-HDR
Camera functions
N/A

Software

OS
Android 11
Skin
ColorOS 12

Connectivity

Wi-Fi
Yes
GPS
Yes
Bluetooth
Yes
NFC
Yes
USB type
USB Type-C 2.0, USB On-The-Go
SIM type
Dual, Nano-SIMs
GSM/CDMA
GSM
2G
Yes
2G bands
GSM 850 / 900 / 1800 / 1900
3G
Yes
3G bands
HSDPA 800 / 850 / 900 / 1700(AWS) / 1800 / 1900 / 2100

CDMA2000 1xEV-DO

4G/ LTE
Yes
4G bands
LTE band 1, 2, 3, 4, 5, 7, 8, 12, 17, 18, 19, 20, 26, 28, 34, 38, 39, 40, 41 – Global
5G
Yes
5G bands
5G band 1, 3, 5, 8, 28, 40, 41, 78 SA/NSA – Global
Speed
HSPA 42.2/5.76 Mbps, LTE-A, 5G

Sensors

Fingerprint
Yes, under the display, optical
Proximity
Yes
Barometer
No
Accelerometer
Yes
Gyroscope
Yes
Compass
Yes
Others
Face ID

Sound

Loudspeaker
Yes
3.5mm jack
No

MISC

Also in the box
Charging Adapter, USB Cable and User Manual

Also, See:

OnePlus 9RT 5G Price

OnePlus 9RT 5G is priced at around $605 in the United States, €529 in Europe and ₦249,500 in Nigeria. Prices in other specific countries and currencies are provided below.

United States
$605
United Kingdom
£445
Europe
€529
China
¥3,825
India
₹44,920
Nigeria
₦249,500
Ghana
Gh₵3,775
South Africa
ZAR9,295
Kenya
Ksh68,369
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Source Here: livetechnoid.com

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