Step into a world where the focus is keenly set on before year end meaning. Within the confines of this article, a tapestry of references to before year end meaning awaits your exploration. If your pursuit involves unraveling the depths of before year end meaning, you've arrived at the perfect destination.
Our narrative unfolds with a wealth of insights surrounding before year end meaning. This is not just a standard article; it's a curated journey into the facets and intricacies of before year end meaning. Whether you're thirsting for comprehensive knowledge or just a glimpse into the universe of before year end meaning, this promises to be an enriching experience.
The spotlight is firmly on before year end meaning, and as you navigate through the text on these digital pages, you'll discover an extensive array of information centered around before year end meaning. This is more than mere information; it's an invitation to immerse yourself in the enthralling world of before year end meaning.
So, if you're eager to satisfy your curiosity about before year end meaning, your journey commences here. Let's embark together on a captivating odyssey through the myriad dimensions of before year end meaning.
Uber to courier xiaomi mi note phones directly to you uber to courier xiaomi mi note phones directly to wincalendar uber to courier xiaomi mi note phones directly to judy uber to courier xiaomi mi note phones directly meaning uber to courier xiaomi mix uber to courier xiaomi store uber courier services cost of uber to airport
Uber to courier Xiaomi Mi Note phones directly to customers in Asia
Uber to courier Xiaomi Mi Note phones directly to customers in Asia
The Xiaomi Mi Note will hit markets in Asia this month. Aloysius Low/CNET
For those who really can't wait for their latest new phone, they can now have it delivered by hand within the hour. One Internet-savvy company, the Chinese smartphone maker Xiaomi, has enlisted another, the ride-hailing service Uber, to convey its devices across the city state of Singapore as fast as traffic allows.
Drumming up publicity for the launch of its 5.7-inch Mi Note phone at an event in Singapore, Xiaomi said customers will be able to order the phablet from within the Uber app when the phone goes on sale.
Unlike Xiaomi's regular online sales, through which customers have to wait an excruciating five working days for their new devices, the Uber partnership will let customers get their hands on a unit on the same day. Within 4 minutes of them placing the order, Xiaomi says, an Uber driver will be on the way to deliver the phone.
The partnership will also be expanded to Malaysia, but only in the capital city of Kuala Lumpur. A limited number of Mi Note phones will be allocated for the Uber and Xiaomi event and will take place on July 27, a day before online sales begin.
While obviously a publicity stunt, this new approach also shows how two of the world's most valuable startups can work well together. Xiaomi, valued at $45 billion, is in a growth phase, expanding for the first time outside of Asia to Brazil, and selling 35 million handsets so far this year. The company sells its phones close to cost, forsaking traditional retailers in most of the markets in which it operates in order to keep costs as low as possible.
This allows Xiaomi to sell its high-end flagship phone, the Mi Note, at a killer price of S$569 in Singapore -- that's around $415, £270 or AU$560, much lower than comparable devices such as the HTC One M9 or the Samsung Galaxy S6. The low price also plays very much into Xiaomi's favor in an ultracompetitive smartphone market such as Singapore.
The 5.7-inch Mi Note is already available in Hong Kong and will go on sale on July 28 in Taiwan and Malaysia. Besides a 5.7-inch display, the glass-clad phablet boasts a Qualcomm Snapdragon 801 processor and 3GB of RAM. Other specs include a 13-megapixel rear camera and 64GB of onboard storage. It's powered by Google's Android software, with Xiaomi's own MIUI 6 user interface.
What States Can and Can't Do When Banning Abortion
What States Can and Can't Do When Banning Abortion
For more information about your reproductive health rights and related federal resources, you can visit the US government's
Reproductive Rights
site.
Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.
In this still developing landscape, how confident can people be that their treatment is still legal?
"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."
The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic."
On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.
Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.
Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law?
"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said.
The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.
Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.
Robyn Beck/Getty Images
Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to navigate around new state laws.
Here's what we know today.
Can states ban abortion pills? Not completely, but some are trying.
Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.
"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.
But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).
Peter Dazeley/Getty Images
The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.)
Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."
"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.
Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.
But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.
Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps
Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more.
Svetlana Gustova/Getty Images
Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.
Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently.
This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed.
"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal.
The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.
But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line.
"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."
The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason.
Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.
Saul Loeb/AFP/Getty Images
States are not prosecuting people who have abortions (yet)
Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant.
But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.
"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."
Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care.
That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them.
So will doctors report you if they suspect you had an abortion?
"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might."
Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.
Carol Yepes/Getty Images
Birth control is still protected under the Affordable Care Act
Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.)
Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them.
Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient.
The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.
Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.
Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
Apple Watch: It's been 5 years since my original review, and it holds up
Apple Watch: It's been 5 years since my original review, and it holds up
I'd love to say that when I first put on the Apple Watch, I'd never seen anything like it before. But of course, that's not true. By late 2014 I'd been surrounded by smartwatches for a few years. So when Apple announced it was making its own watch, my thought (as so often with Apple) was: finally.
The first smartwatch I reviewed at CNET was the Martian Passport, an analog watch that could make phone calls. It sounds so primitive now, but it was cool in early 2013. The Pebble Watch followed, and the Steel version became my favorite: It was like a Casio watch turned into a useful little pager-assistant. It was simple and had long battery life, and it was great.
There were others, too: Samsung's first smartwatches were ambitious (a camera?). Google's first Android Wear watches arrived in 2014. Meanwhile, there were Fitbits and Jawbone trackers galore.
I say this to lay the groundwork for the Apple Watch and what its impact was. Like the iPhone wasn't the first smartphone, the Apple Watch wasn't the first smartwatch... but it made the biggest footprint. It was another step validating that a world of wearables was here to stay.
I was able to wear the Apple Watch a month before it went on sale. I spent a ton of time with it, getting used to both how it handled phone calls, and the activity tracking rings. I looked at my heart rate measurements. I accidentally ordered an Xbox One with an early Amazon app.
The Watch was, much like the first iPhone, sometimes feature-limited. But it also had some features that already stood out.
My original review was updated a year later, which you can read here. Some parts have changed, clearly, and Apple has updated the OS. But I'll comment on what I wrote then, and how I felt, and how that's evolved. Quotes from the original review are in italics.
The gold Apple Watch, way back when.
James Martin/CNET
An excellent design, with luxury overtones
Apple wants you to think of the Apple Watch as fine jewelry. Maybe that's a stretch, but in terms of craftsmanship, there isn't a more elegantly made piece of wearable tech. Look at the Apple Watch from a distance, and it might appear unremarkable in its rectangular simplicity compared with bolder, circular Android Wear watches. It's clearly a revamped sort of iPod Nano. But get closer, and you can see the seamless, excellent construction.
The first Apple Watch came in aluminum, steel and ramped all the way up to a gold model costing more than $10,000. Compared to other smartwatches, it screamed luxury.
Certain touches felt luxurious, too: the fine-feeling Digital Crown, which spun ever so smoothly like a real watch part, for instance. The OLED display, which was a first for an Apple product, looked crisp and bright.
The most amazing part, maybe, were the watch bands. Apple created a really nice series of specially designed straps, from a steel link to a clever magnetic Milanese mesh that were extremely expensive and impressively engineered.
Its watch face designs were great, too, and they integrated some information from the iPhone that aimed to add at-a-glance ease of use. There was a Mickey Mouse watch face that danced! The Solar face showing sunrise and sunset, and the astronomy face that showed planetary alignments and moon phases, felt like magic. I wanted more, but Apple's assortment of watch faces was limited, and it didn't allow for third-party watch face design. That's still the case now.
A lot of the Apple Watch reminded me of the strides Apple began with the iPod Nano, which also had watch mode... and a Mickey Mouse watch face.
Sarah Tew
New technologies at first: fantastic haptics, a force-sensitive display
All Apple Watches have a new S1 processor made by Apple, that "taptic" haptic engine and a force-sensitive and very bright OLED display, which is differently sized on the 38mm and 42mm models. The watch has its own accelerometer, gyrometer and heart-rate monitor, but no onboard GPS. It uses Bluetooth 4.0 and 802.11b/g/n 2.4GHz Wi-Fi to connect to your phone or your home network. There's a built-in speaker and microphone, but no headphone jack.
As I wore the watch on the first day, I felt a rippling buzz and a metallic ping: one of my credit card payments showed up as a message. Apple's "Taptic Engine" and a built-in speaker convey both a range of advanced taps and vibrations, plus sounds. Unlike the buzz in a phone or most wearables, these haptics feel sharper: a single tap, or a ripple of them, or thumps.
Sometimes the feelings are too subtle: I don't know if I felt them or imagined them. My wrists might be numbed from too many smart devices. I set my alerts to "prominent" and got sharper nudges on my wrist.
The first watch introduced some ideas that eventually made their way to other iPhones. A "taptic engine" delivered on some amazingly refined vibration effects, ranging from a purr to a ping to a gentle tap. These were way ahead of what anybody else was doing -- and they weren't just a gimmick. The notification types associated with unique vibrations felt distinct. Sometimes, the vibrating taps on the first Watch weren't as powerful as I wanted. But with later updates, the haptics made parts of the interface seem real: virtual wheels, clicking as if moving with invisible gears.
The more advanced haptics made their way to the iPhone next, making us used to them now. Other phones, game consoles like the Nintendo Switch, and VR accessories, have evolved haptics since, but the Apple Watch was the first mainstream device that upped the haptics game.
Force Touch was another wild idea: Apple made its watch display force-sensitive, meaning a deeper press could work like pushing a button. Though this idea was refined further into 3D Touch on the iPhone 6S, 3D Touch was a technology that never became as necessary as expected, and current iPhone models have dropped the pressure-sensitive display tech completely.
The Apple Watch still has Force Touch, though, and I think it always will.
Digital Touch: I never used it much after that.
Sarah Tew
Lots of features. Too many features?
As you can see, this is a lot of stuff. Did I have fun using the watch? Yes, mostly, but there are so many features that I felt a little lost at times. There are so many ways to interact: swiping, touching, pressing harder into the display, a button and a clickable digital crown-wheel. Plus, there's Siri. Do I swipe, or click, or force touch or speak? Sometimes I didn't know where an app menu was. Or, I'd find getting back to an app I just had open would require an annoying series of crown clicks, swiping through apps, then opening the app again.
There's a reason I used the word "complicated" to describe my feelings using that first Apple Watch. Setting up bits of information, called complications, was slow and not always intuitive. Apps took a while to load, and were sometimes so slow that it was easier to check my phone instead. Quick glances and notifications, and phone calls, were fine. Apple Pay on the watch was clever, but would I use it? I wished the watch had more battery life.
I didn't like the overcomplicated feel. The design of the OS, and the card-like swappable mini-view apps that used to be on the Watch like a dock, changed over time. It's gotten better since.
Storing music on the watch, while it took a while to sync, was easier than attempts on Samsung Gear or Android Wear. Of course, I had to hunt for a good pair of Bluetooth headphones to connect with the watch.
Today I still forget to dive into and make the most of the apps on the watch. I just dusted off Walkie Talkie: it's cool. There's noise monitoring. One app lets me remote control my iPhone camera, which has been a huge help for my stay-at-home self-shot videos. The Remote app helps me when I lose the Apple TV remote every other day.
Third-party apps, and the grid of options? It turns out I don't use them much at all. I don't dig down deep into the layers of functions. I prefer what's on the surface: watch faces, and their readouts. But I've come to appreciate the watch's surprising number of options and settings. It's better than not having them at all.
The rings were the beginning.
Sarah Tew/CNET
Fitness: The ring idea was just the beginning
The Apple Watch doesn't work any fitness miracles that the rest of the wearable world hasn't already invented, and it doesn't ship with any new magical sensors that change the game. But the Apple-made integrated fitness apps, Activity and Workout, are far and away the best fitness apps on any existing smartwatch that isn't a dedicated "fitness watch" (Samsung Gear, Android Wear, Pebble and the like). A clever three-ring method of tracking daily activity, which simultaneously measures and rewards daily calorie burn, active exercise and standing up, feels like a fusion of rewards and metrics seen on the Nike FuelBand, Jawbone Up, Fitbit and others.
I appreciated Apple's complete-the-ring motivational activity tracker, which felt inspired by wearables like the Nike FuelBand (not surprising, since Apple's head of fitness, Jay Blahnik, arrived from Nike). For the red ring's daily goals, it's great. It felt too easy to complete the blue Stand ring, and it still does.
There are tons of fitness advancements Apple has made on the Watch in the last five years: GPS, resting heart rate, workout controls, social sharing, third-party app integration, swimming, modes for accessibility, activity trends -- and I haven't even discussed Apple's massive health aspirations like adding ECG, checking for falls, monitoring elevated or irregular heart rate or women's health tracking. There is some form of coaching and motivation, too. But I'd still love to see more of that. I hit a wall when trying to be fit, and there's only so much watches seem to help.
The first Apple Watch was more of a Fitbit. Now, it's more of a health companion. Those two worlds still feel like they need to dovetail and grow. There are missing features, too, like sleep tracking, which feels like the inevitable next step.
You still need an iPhone, just like in 2015.
Sarah Tew
It was, and still is, an iPhone accessory
Much like most other smartwatches, the Apple Watch isn't a standalone device -- it's a phone accessory. Android Wear, Samsung Gear, Pebble and others work the same way. But here, you must own an iPhone 5 or later to use the Watch. A few Apple Watch functions work away from the phone, but the watch primarily works alongside the phone as an extension, a second screen and basically another part of your iOS experience. It's a symbiote.
One thing I noted back then was that you needed an iPhone to use the Apple Watch. Unlike other wearables that can pair with Android or iOS, or even sync with a computer, the Apple Watch was always designed to live symbiotically with the iPhone.
That's still the case now. Even with independent cellular options, and an on-watch App Store, you can't use the Watch without pairing to an iPhone. And it still won't work with Android. It's a shame, because a fully standalone watch could be a really helpful tool for many people who don't have iPhones, and it could even be a phone alternative (for kids, maybe).
Apple's AirPods created a gadget trinity where the Watch, the iPhone and AirPods can all work seamlessly together. But that trinity is an expensive one. The entry price of the Apple Watch has dropped, at least. But it feels like an extension of the iPhone more than its own device, even now.
The Apple Watch Series 5: much better, with a few similarities.
Sarah Tew/CNET
Today: the best watch in a war of attrition
You don't need an Apple Watch. In many ways, it's a toy: an amazing little do-it-all, a clever invention, a possibly time-saving companion, a wrist-worn assistant. It's also mostly a phone accessory for now. In the months and years to come, that may change: with Apple's assortment of iPads, Macs, Apple TV and who knows what else to come, the watch could end up being a remote and accessory to many things. Maybe it'll be the key to unlock a world of smart appliances, cars and connected places. In that type of world, a smartwatch could end up feeling utterly essential.
I think back to what the Apple Watch was competing against back then: Jawbone, Pebble, Fitbit, Google's Android Wear, Samsung's watches, the Microsoft Band. A lot of competitors are gone now. Fitbit was acquired by Google. Samsung still has watches. Garmin makes lots of dedicated fitness watches. There are still plenty of more affordable relative newcomers, too.
The original Apple Watch, with the Pebble Steel, Moto 360 and the original iPod Nano with wristband (clockwise from top left).
Sarah Tew
In a field of fewer alternatives, the Apple Watch's consistent addition of new features and ongoing performance improvements has made it the best option. It's Apple's commitment to gradual improvements that has made it a stand-out watch now, especially compared to the struggles of Google's Wear OS.
The Apple Watch is still an iPhone accessory. And it's still not an essential product. But it's become a really fluid and useful device, one with lots of key upgrades that work, and one that's a lot easier to use.
What's the best smartwatch now? The Apple Watch. That doesn't mean I don't want to see improvements: battery life, sleep tracking, a watch face store and most importantly, Android support and true standalone function. If the last five years are any indication, Apple will tackle these problems on its own... time.
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 OfferIntro 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 OfferN/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 OfferN/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 OfferIntro 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 OfferLimited 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.
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 OfferIntro 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 OfferN/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 OfferN/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 OfferIntro 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 OfferLimited 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.
