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Get a new Mac? Here's what you need to know about setting it up

Get a new Mac? Here's what you need to know about setting it up

Apple's newest computers -- MacBook Air, MacBook Pro and Mac Mini -- are fast, have impressive battery life and can even run iPhone apps. The difference between this crop and previous models? These are powered by the Apple Silicon M1 processor. It's the same kind of processor the company uses in the iPhone and iPad. If you spoiled yourself and picked up a new Mac this holiday season, or were lucky enough to get one as a gift, don't rush through the setup process. 

Whether you're replacing a worn-down MacBook or getting rid of a tired PC, it's only natural to want to tear open the box, hit the power button and cruise through the setup prompts. But before you do that, take a deep breath and a step back. There are some things you need to know about setting up a Mac.

For starters, the process can take several hours if you plan on transferring your data from another computer. Then there are other things to consider: Do you need FileVault? How can you get information off of your old Mac or PC and onto the new one? Those questions are exactly why we're here.

There's something special about getting a new computer. 

Dan Ackerman/CNET

What you'll need

Make sure to set aside around an hour to get your Mac set up. The process will take longer if you plan on restoring your Mac from a Time Machine backup of another Mac.

In addition to a reliable internet connection, you'll need your Wi-Fi network information, your Apple ID username and password, and the Mac's charger or power cord. 

Having a piece of paper and a pen nearby is helpful. During the setup process, you'll be asked to create a user account, which includes a username and password. We don't recommend storing passwords on paper -- it's much safer to use a password manager -- but a piece of paper is helpful for temporarily storing this kind of information until you can enter it into your password manager. Just make sure to destroy the piece of paper when you're done. 

Once you have everything in order, connect the charger or power cord to your Mac and turn it on. 

Setting up a new Mac isn't hard, but it can take some time. 

Apple

Apple's Setup Assistant walks you through most of the process

The first time your Mac turns on, a setup assistant will greet you. The assistant will walk you through selecting your country and language, and connecting the Mac to the internet. You'll also be tasked with creating a user account on the Mac and signing into your Apple ID. 

Throughout the process you'll be asked if you want to enable services like FileVault, iCloud Keychain or Find My Mac. You'll also be asked if you want to enable Siri or provide any logs to developers when issues are detected. Here's what some of those features mean for you.

FileVault encrypts your Mac's hard drive to prevent unauthorized access to the information you store on it. If you aren't sure, you can always enable or disable it in the future.

iCloud Keychain is Apple's password manager that's built into all of its devices. If you use iCloud Keychain on an iPhone ($500 at Best Buy) or iPad ($176 at Amazon), those usernames and passwords will also be available on your Mac. iCloud Keychain also stores your Wi-Fi network credentials, meaning you won't have to log into a Wi-Fi network on your Mac if you've previously connected to it on your iPhone. It's a good idea to turn on iCloud Keychain. 

Find My Mac works with the Find My app to help you track down a lost Apple device. I recommend turning on Find My Mac, even for a rig as large as an iMac ($990 at Best Buy) that's less likely to disappear, because you never know when you might end up with a lost or stolen MacBook. There's no drawback to turning it on.

If you have a MacBook, you'll also be tasked with setting up Touch ID, the fingerprint reader that unlocks your computer, lets you sign into apps or approve Apple Pay purchases. All of it is pretty straight-forward, just continue to follow the prompts, entering any required information such as your Apple ID or creating a user name, to finish the core of the setup process. 

Migration Assistant makes it easy to transfer all of your information. 

Apple

Restore from a Time Machine Backup

During setup, you'll be asked if you want to restore your new Mac from a Time Machine backup of another Mac through Migration Assistant. If so, you'll need the storage device your Time Machine backup is stored on. 

If you haven't backed up your old Mac through Time Machine, it's not too late. We have a guide that walks you through the process. Or if you'd rather directly transfer your files and settings from one Mac to another, Migration Assistant can do that, too. 

Follow the prompts in the Migration Assistant tool, selecting that you want to transfer your information from a Time Machine backup. Select the Time Machine drive that's connected to your new Mac, and select the most recent backup.  

Next, you'll be asked to confirm which information you want to transfer -- including home folders, applications, settings, user accounts and other miscellaneous documents. 

The process can take several hours, depending on how much you have to transfer. If it's going to be awhile, you don't have to babysit it. It's perfectly fine to leave your computer and go watch a show, let it process overnight, or even run some errands. 

One thing to keep in mind, and Migration Assistant will remind you if you run into this, is that your new Mac needs to be on the same OS update as your old Mac (or vice versa). So you may have to finish the setup process without using Migration Assistant, then update your OS (directions covering how to do that are below), and then run Migration Assistant. 

If you're switching from a PC to a Mac, you can use Apple's Migration Assistant, but the process is a little bit more involved and technical (just at the beginning). Apple walks you through the process in this support article. 

Once you have your Mac all set up, it's time to get to work! 

Sarah Tew/CNET

Install any software updates

Once you've completed the Setup Assistant and find yourself looking at your Mac's desktop, it's a good idea to check for any pending software updates. 

To do that, click on the Apple logo in the top-left corner of the screen followed by System Preferences > Software Update. 

Once your Mac's software is up to date, you'll also want to check and make sure all of the preinstalled apps are updated in the App Store. Find the App Store icon in the app dock along the bottom of your screen. Click on it to open the App Store and then select Updates and then update any apps with pending updates. 

Now that you have your Mac all set up, it's a good idea to be prepared for any hiccups you may run into. Here are system tweaks you may want to make right away. If this is the first time you've used MacOS Big Sur, we have plenty of tips to help you get started. When your Mac inevitably slows down, learn how to speed it back up again. 

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What is net metering and how does it work what is net metering in solar energy what is net income what is net force what is title 42 what is rsv what is my ip what is normal blood pressure

What Is Net Metering and How Does It Work?

What Is Net Metering and How Does It Work?

If you're interested in setting up solar panels at your home, you've likely run into a number of new concepts when it comes to how utilities handle the electricity you'll generate. Perhaps you've run into the term "net metering" otherwise known as "net energy metering" or NEM, a concept unique to commercial and residential areas that generate their own electricity. 

With solar panels, you can generate enough energy to provide electricity to your home and, sometimes, more than you can use or store. When that happens, you can sell that excess electricity to the utility company to distribute elsewhere along the power grid. That process is known as net metering.

How does net metering work?

In states that offer net metering (check here to see if your state qualifies), you can sell your excess solar energy back to your utility company in exchange for credits that offset the cost of your energy usage. You may generate excess solar power when it is clear and sunny out, but see less energy than is necessary to power your home when it is cloudy or rainy. By selling your excess energy back to the utility grid, you'll be able to use the credit to cover the cost for any electricity you need to use. You end up paying only for the "net" energy, or the difference between how much you sold and actually used.

The types of net metering

There are three different models of net metering, and which one is available to you may depend on your state and your utility provider.

Net metering

Net metering is the most common arrangement, and works by selling any surplus power generated by your solar panels to the utility operator in exchange for credits, which offset any electricity you may need to use from the grid. The credit is applied at the retail rate, which means the rate that you pay for electricity. Only one meter is required to track this, though your meter may need to be upgraded when you go solar.

Buy all/sell all

The buy all/sell all model works by selling 100% of the energy that your solar panels generate to the utility company. It is sold at wholesale price, which is cheaper for the purchases. In exchange, you get 100% of your home's energy from the utility company, which you pay the retail rate to use. This requires two separate meters, and you will pay the difference -- if any -- between the amount generated and the amount consumed. It's important to note that under this model, you do not directly consume any of the energy your solar panels generate.

Net billing

Much like net metering, the net billing model allows you to use the electricity generated by your solar panels and sell the excess to the utility company at retail price. Unlike the net metering model, though, you cannot bank credits for future billing cycles. This arrangement is more common for commercial situations than residential ones. 

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Advertiser Disclosure : CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors. 

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What to consider when it comes to net metering types

In some cases you won't have a choice when it comes to the type of net energy metering arrangement, as utility companies may only offer one option. However, if you can choose, you'll want to keep in mind a couple things.

Net metering is the most common option for a reason: it's the simplest to understand. You get credits for energy sold and those credits are at retail price, meaning they are paid at the same rate that you pay for your electricity. That makes the math simple.

However, that doesn't mean it's the best deal available to you. If you're in a situation where you expect to generate a lot of electricity -- a region where it is sunny most of the time and there isn't much rain or cloud cover to interfere with your panels -- a buy all/sell all option may work better. While you'll be selling at a wholesale rate, meaning it is a lower rate for you since you are acting as a provider, you'll also be selling much more than you otherwise would. All of your solar power generation will be monetized, as opposed to just the excess.

You should also keep in mind other fees associated with net metering. For instance, you may have to pay a connection fee. This is a monthly expense that you pay for connecting to the utility company's grid. It typically isn't much, between $10-20 per month, but it is an expense to keep in mind.

No matter what arrangement ends up working best for you, net energy metering a great way to get the most out of your solar panels. Not only does it allow you to power your own house or pay for your full electricity use, but it also allows you to monetize your energy generation and let others make use of it.

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Marvel s vfx artists are suffering and starting to speak out meaning marvel s vfx artists are suffering and glory marvel s vfx artists are driven marvel s vfx artists are here to disturb marvel s vfx artists are furious at webtoon marvel s vfx artists are people marvel s vfx artists react

Marvel's VFX Artists Are Suffering -- and Starting to Speak Out

Marvel's VFX Artists Are Suffering -- and Starting to Speak Out

Thor: Love and Thunder  director Taika Waititi makes interviews look fun. During the long and often tedious press tour filmmakers endure to promote their latest films, Waititi brought his trademark laid-back goofiness to a video in which he breaks down a scene. Only, this time, it backfired. Almost offhandedly, Waititi questioned whether a character named Korg, a CGI rock creature he also played, looked "real." "Do I need to be more blue?" he asked.

The comment launched headlines. Waititi, the director, appeared to cruelly mock his own film's VFX work -- work painstakingly toiled over across hundreds of hours by visual effects artists. It got worse. At the same time, severalReddit threads surfaced, charting the harsh experiences of effects artists who worked on Marvel projects as far back as 2012.

Chris Hemsworth and Taika Waititi at the Sydney premiere of Thor: Love And Thunder.

Photo by Lisa Maree Williams/Getty Images

"Working on Marvel projects ends up being incredibly stressful, and this is a widely known issue throughout the VFX industry, it's not specific to any one VFX house," a person who worked on Marvel projects and wished to remain anonymous, told CNET via email. Industry standards dictate a strict policy of not speaking to the press.

Marvel and Disney didn't immediately respond to a request for comment.

Visual effects artists are in more demand than ever, servicing abundant productions from Marvel, Warner Bros., Sony and more. VFX studios secure work by placing a bid based on the number of shots a studio requests. Competition can be aggressive. While a low bid might win, the actual workload the shots amount to can vary dramatically.

"You bid on a number of shots and hope that on average they don't end up being too complicated or difficult, or that the client gets too caught up in minor details and keeps sending shots back for more work," said Peter Allen, an animator and VFX artist and former lecturer in film and television production at the University of Melbourne.

The work is contracted to a VFX house at a set price. An effects artist might manage grueling hours to meet hard release dates but work overtime unpaid. If the final product fails to satisfy audience expectations, VFX artists often take the blame.

"As a visual medium, visual effects are among the easiest targets for fans to pick apart, especially if there are leaks or early releases of unfinished shots," Allen said. Cats and Sonic the Hedgehog are recent examples.

The upcoming She-Hulk has already drawn criticism for the CGI look of its hero.

Marvel Studios/Screenshot by CNET

With an avalanche of new projects lined up in the next phases of the Marvel Cinematic Universe -- a seemingly never-ending stream of content -- effects artists have been coming under intensifying strain. Ms. Marvel, She-Hulk and Thor: Love and Thunder are the latest to weather criticism about underwhelming superpower effects.

But now, the artists vital to Marvel's storytelling are speaking out. Sick of bearing the brunt of visual effects criticism, tired of punishing working conditions, VFX artists are demanding change.

Unless the industry can make fundamental improvements, Marvel could have a problem on its hands.

An infamous client

Even before the public Reddit threads, insider stories and viral tweets, Marvel had a reputation for pushing VFX artists to the brink. Forget 38-hour weeks. One source described working 60 to 80. This lasted "multiple months in a row."

The toll was brutal. "I've had to comfort people crying at their desks late at night from the sheer pressure involved, and routinely had colleagues call me having anxiety attacks," the effects artist said. "I've heard personally from many artists that they ask to avoid Marvel shows in their future assignments."

Another VFX artist, who also wished to remain anonymous, described harsh conditions that extended beyond the Marvel machine.

"I have worked on several projects for Marvel and other tentpole films," the effects artist told CNET. "For many years, I did work long hours, mostly unpaid. No longer. At no time do I work for free, nor will I work an all-nighter for a perceived emergency."

Sequences underwent late changes in Doctor Strange in the Multiverse of Madness.

Marvel Studios

One effects artists boils Marvel's problems down to three major issues: a demand to see near-complete work much earlier in the process compared to other clients; high-pressure environments leading to burnout and low morale; and lower budgets squeezing out more experienced, more expensive workers from future Marvel projects.

Even after shots are exhaustively delivered, Marvel is allegedly "infamous" for requesting "tons of different variations" until one earns the green light. It doesn't end there. More changes to a production often come late in the game, potentially weeks out from release, resulting in an endemic practice of working overtime. The latest Doctor Strange flick, for example, underwent late changes to sequences involving VFX.

"We've literally made up entire third acts of a film, a month before release, because the director didn't know what they wanted," one source said about Marvel in general. "Even Marvel's parent Disney is much easier to work with on their live-action films."

Could VFX houses push back? Not if they want to risk financial loss. In 2013, Rhythm & Hues, the acclaimed VFX house that worked on The Lord of the Rings and Life of Pi -- which won the Oscar for best visual effects -- filed for bankruptcy. It was the last major independent VFX studio in Los Angeles. Moving Picture Company, an effects house that worked on Spider-Man: No Way Home, reportedly announced in July that it would be freezing pay rises this year.

Marvel, providing a seemingly endless source of work, is a lucrative client. "Marvel has multiple blockbusters in a row, and studios that displease them risk losing out on tons of work," said one effects artist. "So they don't push back as much as they would with other clients."

The size of Marvel allows it to secure bargain effects work, to "string along" a studio or move on to the next best bidder. Yet, for some, working on Marvel projects is no different from any other big action film. It's about managing expectations.

The VFX studio behind Oscar-winning Life of Pi went bankrupt.

Fox 2000 Pictures

Balance

Not all VFX gigs are an overwhelming slog. Not even with Marvel.

"My experience working on the one Marvel film was pretty much the same as any other film," another artist told CNET. They said that, while the workload was high, the deadlines "were the same as any other action film."

Another VFX artist believes the onus is on the effects houses to stand up for their workers, to "pay overtime" and "manage expectations," both with clients and artists.

"The blame is on the VFX studios, not the client -- Marvel or otherwise."

Yet less established VFX houses might lack the influence to shield artists from the "crazy" schedules Marvel could impose. One solution to this power dynamic has already started to unfold.

A decade ago, visual effects artists were part of one of the "largest non-unionized sectors in showbiz," according to a Variety report. Since then, VFX unions such as the International Alliance of Theatrical Stage Employees have attempted to organize visual effects artists.

"Employees unionizing would dramatically change how VFX houses bid shows because they can't simply dump the poor choices onto their employees," one effects artist said. "It makes sure employees can't be pushed around as easily."

Animation artists, for example, can unionize in their respective workplaces with the help of the Animation Guild. The organization acts as an advocate for its members over wage disputes and more between employees and employers. Major studios such as Dreamworks and Walt Disney Animation Studios -- as well as Marvel Animation -- employ artists covered by the guild.

The time could be right for making unionization happen for effects artists, VFX artist Allen said. "Right now, there's high demand for staff so there is an unusual opportunity for those staff to organize since production companies really need them."

But this solution isn't as easy as snapping one's fingers. Outsourcing, or using ununionized workers, is another way for studios to cut costs. "Many studios will bring in people on work visas with the promise of long-term employment," one effects artist said. The studios then leave the employee "dangling."

Still, signs could be positive for effects artists. Other production workers, including staff in IT and logistics, have been successful in joining the Animation Guild, which "used to be for artists only," Allen says. For VFX professionals, traditionally viewed as craftworkers rather than artists, this could be an "interesting development."

"But individual workplaces have to agree to unionize, it's not an automatic protection for all workers."

Chris Hemsworth as Thor in Thor: Love and Thunder.

Marvel Studios/YouTube

The Marvel effect

One effects artist believes the onus is still on Marvel to enact its own changes. It could come down to greater training for its directors on the VFX process.

"Marvel's directors are often inexperienced with the VFX process, both on set and after," an effects artist said.

If the director happens to prefer longer takes, it can "dramatically" increase the workload on artists, Allen said. Not only are there more frames to create effects for, but the longer the effect is on screen, the more precise they have to be. "Shorter shots mean you can cut a few corners."

The effects artist said Marvel must stop believing "VFX gives [it] infinite room to change things." They said Marvel must work with its directors to reduce the number of iterations in the VFX process. "With training -- with clearer, more 'decisive' visualization provided to directors early in the process -- everyone could be on the same page." 

Then, maybe, no one would have their work come under fire during press tours.

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Source

Marvel s vfx artists are suffering and starting to speak out meaning marvel s vfx artists are suffering and the heart marvel s vfx artists are suffering and pain marvel s vfx artists are suffering and buddhism marvel s vfx artists are suffering and faith marvel s vfx artists are driven marvel studios lego marvel super heroes 2

Marvel's VFX Artists Are Suffering -- and Starting to Speak Out

Marvel's VFX Artists Are Suffering -- and Starting to Speak Out

Thor: Love and Thunder  director Taika Waititi makes interviews look fun. During the long and often tedious press tour filmmakers endure to promote their latest films, Waititi brought his trademark laid-back goofiness to a video in which he breaks down a scene. Only, this time, it backfired. Almost offhandedly, Waititi questioned whether a character named Korg, a CGI rock creature he also played, looked "real." "Do I need to be more blue?" he asked.

The comment launched headlines. Waititi, the director, appeared to cruelly mock his own film's VFX work -- work painstakingly toiled over across hundreds of hours by visual effects artists. It got worse. At the same time, severalReddit threads surfaced, charting the harsh experiences of effects artists who worked on Marvel projects as far back as 2012.

Chris Hemsworth and Taika Waititi at the Sydney premiere of Thor: Love And Thunder.

Photo by Lisa Maree Williams/Getty Images

"Working on Marvel projects ends up being incredibly stressful, and this is a widely known issue throughout the VFX industry, it's not specific to any one VFX house," a person who worked on Marvel projects and wished to remain anonymous, told CNET via email. Industry standards dictate a strict policy of not speaking to the press.

Marvel and Disney didn't immediately respond to a request for comment.

Visual effects artists are in more demand than ever, servicing abundant productions from Marvel, Warner Bros., Sony and more. VFX studios secure work by placing a bid based on the number of shots a studio requests. Competition can be aggressive. While a low bid might win, the actual workload the shots amount to can vary dramatically.

"You bid on a number of shots and hope that on average they don't end up being too complicated or difficult, or that the client gets too caught up in minor details and keeps sending shots back for more work," said Peter Allen, an animator and VFX artist and former lecturer in film and television production at the University of Melbourne.

The work is contracted to a VFX house at a set price. An effects artist might manage grueling hours to meet hard release dates but work overtime unpaid. If the final product fails to satisfy audience expectations, VFX artists often take the blame.

"As a visual medium, visual effects are among the easiest targets for fans to pick apart, especially if there are leaks or early releases of unfinished shots," Allen said. Cats and Sonic the Hedgehog are recent examples.

The upcoming She-Hulk has already drawn criticism for the CGI look of its hero.

Marvel Studios/Screenshot by CNET

With an avalanche of new projects lined up in the next phases of the Marvel Cinematic Universe -- a seemingly never-ending stream of content -- effects artists have been coming under intensifying strain. Ms. Marvel, She-Hulk and Thor: Love and Thunder are the latest to weather criticism about underwhelming superpower effects.

But now, the artists vital to Marvel's storytelling are speaking out. Sick of bearing the brunt of visual effects criticism, tired of punishing working conditions, VFX artists are demanding change.

Unless the industry can make fundamental improvements, Marvel could have a problem on its hands.

An infamous client

Even before the public Reddit threads, insider stories and viral tweets, Marvel had a reputation for pushing VFX artists to the brink. Forget 38-hour weeks. One source described working 60 to 80. This lasted "multiple months in a row."

The toll was brutal. "I've had to comfort people crying at their desks late at night from the sheer pressure involved, and routinely had colleagues call me having anxiety attacks," the effects artist said. "I've heard personally from many artists that they ask to avoid Marvel shows in their future assignments."

Another VFX artist, who also wished to remain anonymous, described harsh conditions that extended beyond the Marvel machine.

"I have worked on several projects for Marvel and other tentpole films," the effects artist told CNET. "For many years, I did work long hours, mostly unpaid. No longer. At no time do I work for free, nor will I work an all-nighter for a perceived emergency."

Sequences underwent late changes in Doctor Strange in the Multiverse of Madness.

Marvel Studios

One effects artists boils Marvel's problems down to three major issues: a demand to see near-complete work much earlier in the process compared to other clients; high-pressure environments leading to burnout and low morale; and lower budgets squeezing out more experienced, more expensive workers from future Marvel projects.

Even after shots are exhaustively delivered, Marvel is allegedly "infamous" for requesting "tons of different variations" until one earns the green light. It doesn't end there. More changes to a production often come late in the game, potentially weeks out from release, resulting in an endemic practice of working overtime. The latest Doctor Strange flick, for example, underwent late changes to sequences involving VFX.

"We've literally made up entire third acts of a film, a month before release, because the director didn't know what they wanted," one source said about Marvel in general. "Even Marvel's parent Disney is much easier to work with on their live-action films."

Could VFX houses push back? Not if they want to risk financial loss. In 2013, Rhythm & Hues, the acclaimed VFX house that worked on The Lord of the Rings and Life of Pi -- which won the Oscar for best visual effects -- filed for bankruptcy. It was the last major independent VFX studio in Los Angeles. Moving Picture Company, an effects house that worked on Spider-Man: No Way Home, reportedly announced in July that it would be freezing pay rises this year.

Marvel, providing a seemingly endless source of work, is a lucrative client. "Marvel has multiple blockbusters in a row, and studios that displease them risk losing out on tons of work," said one effects artist. "So they don't push back as much as they would with other clients."

The size of Marvel allows it to secure bargain effects work, to "string along" a studio or move on to the next best bidder. Yet, for some, working on Marvel projects is no different from any other big action film. It's about managing expectations.

The VFX studio behind Oscar-winning Life of Pi went bankrupt.

Fox 2000 Pictures

Balance

Not all VFX gigs are an overwhelming slog. Not even with Marvel.

"My experience working on the one Marvel film was pretty much the same as any other film," another artist told CNET. They said that, while the workload was high, the deadlines "were the same as any other action film."

Another VFX artist believes the onus is on the effects houses to stand up for their workers, to "pay overtime" and "manage expectations," both with clients and artists.

"The blame is on the VFX studios, not the client -- Marvel or otherwise."

Yet less established VFX houses might lack the influence to shield artists from the "crazy" schedules Marvel could impose. One solution to this power dynamic has already started to unfold.

A decade ago, visual effects artists were part of one of the "largest non-unionized sectors in showbiz," according to a Variety report. Since then, VFX unions such as the International Alliance of Theatrical Stage Employees have attempted to organize visual effects artists.

"Employees unionizing would dramatically change how VFX houses bid shows because they can't simply dump the poor choices onto their employees," one effects artist said. "It makes sure employees can't be pushed around as easily."

Animation artists, for example, can unionize in their respective workplaces with the help of the Animation Guild. The organization acts as an advocate for its members over wage disputes and more between employees and employers. Major studios such as Dreamworks and Walt Disney Animation Studios -- as well as Marvel Animation -- employ artists covered by the guild.

The time could be right for making unionization happen for effects artists, VFX artist Allen said. "Right now, there's high demand for staff so there is an unusual opportunity for those staff to organize since production companies really need them."

But this solution isn't as easy as snapping one's fingers. Outsourcing, or using ununionized workers, is another way for studios to cut costs. "Many studios will bring in people on work visas with the promise of long-term employment," one effects artist said. The studios then leave the employee "dangling."

Still, signs could be positive for effects artists. Other production workers, including staff in IT and logistics, have been successful in joining the Animation Guild, which "used to be for artists only," Allen says. For VFX professionals, traditionally viewed as craftworkers rather than artists, this could be an "interesting development."

"But individual workplaces have to agree to unionize, it's not an automatic protection for all workers."

Chris Hemsworth as Thor in Thor: Love and Thunder.

Marvel Studios/YouTube

The Marvel effect

One effects artist believes the onus is still on Marvel to enact its own changes. It could come down to greater training for its directors on the VFX process.

"Marvel's directors are often inexperienced with the VFX process, both on set and after," an effects artist said.

If the director happens to prefer longer takes, it can "dramatically" increase the workload on artists, Allen said. Not only are there more frames to create effects for, but the longer the effect is on screen, the more precise they have to be. "Shorter shots mean you can cut a few corners."

The effects artist said Marvel must stop believing "VFX gives [it] infinite room to change things." They said Marvel must work with its directors to reduce the number of iterations in the VFX process. "With training -- with clearer, more 'decisive' visualization provided to directors early in the process -- everyone could be on the same page." 

Then, maybe, no one would have their work come under fire during press tours.

---

Source

How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

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How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

Tags:

• How To Pick Your First Credit Card
• How To Pick Your First Tattoo
• How To Pick Your First Dance Song
• How To Pick Your First Motorcycle
• How To Pick Your Own Phone Number
• How To Pick Your Second Husband First Movie
• How To Pick Your Nose
• How To Pick Your Major
• How To Pick Your Foundation Color
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