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 To Start Building Floating
• How To Pick Your First Credit Card To Get
• How To Pick Your First Tattoo
• How To Pick Your Own Phone Number
• How To Pickle Jalapeno Peppers
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• How To Take A Screenshot
• How To Lower Blood Pressure
• How To Change Yahoo To Google

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WWE Clash of Champions: Results, new champions, match rankings and full recap

WWE Clash of Champions: Results, new champions, match rankings and full recap

Emanating out of Charlotte, North Carolina, WWE's Clash of Champions pay-per-view was OK. It wasn't bad, per se, but there was nothing on the show that was truly exceptional, with most of the event being average to good. Seth Rollins was the MVP of the night, being a key part of the strong open and closing matches. Becky Lynch vs. Sasha Banks was on its way to being a standout match but was stymied by a poor finish.

Here's a quick rundown of highlights:

• Seth Rollins is still Universal Champion, but he and Braun Strowman lost the Raw Tag Team Championships to Robert Roode and Dolph Ziggler. Not that it'll end up meaning anything, but Rollins was pinned fairly cleanly by Roode.
• AJ Styles vs. Cedric Alexander was on the preshow, for some reason.
• Becky Lynch retained her Raw Women's Championship via DQ, lengthening her feud with Sasha Banks.
• Roman Reigns vs. Erick Rowan was a waste of time -- until Luke Harper returned.

Below you'll find all the results of the night, as well as match recaps and ratings. See you next month for WWE's Hell in a Cell event, which will be headlined by Seth Rollins vs. Bray Wyatt. 

Seth Rollins retains his Universal Championship

Hot start, with Strowman bulldozing Rollins and going for his powerslam finish. Rollins escapes, works over Strowman's legs and hits three superkicks followed by a frogsplash. Rollins is so good. Two count. 

Good action, with Rollins springboarding all over the place and Strowman showing great intensity. The crowd is quiet, tired from a long and only OK show. Strowman hits his running shoulder tackle on the outside twice, but Rollins sidesteps him on the third one. Strowman crashes through an announce table, and Rollins hits dual suicide dives. The two end up fighting on the turnbuckle, and Strowman eventually hits a frogsplash from the top. Props.

We get a light, polite "this is awesome" chant. Rollins locks in a sleeper hold but Strowman rolls out. Rollins hits a curbstomp for a one count. He hits another for a two count. A third stomp for another two count. Rollins goes for a fourth but Strowman counters, hoisting him up for a powerslam. Strowman's leg gives out, Rollins nails a pedigree and then a final curbstomp for the pin.

After the match Rollins is attacked by Bray Wyatt, aka The Fiend. They'll wrestle next month at Hell in a Cell.

Rating: 3.5 stars. Very similar to SummerSlam's main event between Rollins and Brock Lesnar, but not as good. Suffered from a flat crowd, but still a solid main event. 

Erick Rowan beats Roman Reigns (!) 

Not much to this match. It's no DQ, so it's just a bunch of brawling outside the ring. Rowan has improved his intensity a great deal, but the crowd doesn't buy him as a threat to Reigns. Which is a shame, because the match was just Rowan beating down Reigns, trying to convince the audience he's a threat to Reigns.

One moment did impress the crowd. On the outside, Reigns jumps from the steel stairs for an elevated Superman Punch, but Rowan counters by grabbing him by the throat and pulling him up for a huge powerbomb through an announcer's table. This gets Rowan a 2 count. 

Match ends when a returning Luke Harper blocks a spear attempt from Reigns. Harper and Rowan double team Reigns. Rowan gets the win.

Rating: 1.5 star. Cool powerbomb spot and it's awesome that Luke Harper, who is awesome, is back. Other than that, this was not good. 

Kofi Kingston retains his WWE Championship

Orton and Kingston start slow. This is likely because they're following a hot match and want to restart the crowd, but it's also vintage Orton. 

The wrestling here is actually very tight. The two exchange snug shots, and Orton ends up bumping Kingston out of the ring. He then follows up with suplexes all around the outside area, including two on the announce table.

The pace slows down though as Orton picks apart Kingston. Eventually Kingston mounts a comeback, but it's not a particularly vigorous one. He goes for a Trouble in Paradise, but Orton counters with a nice neckbreaker. Kingston gets some of that missing fire, though, with a huge over-the-top-rope dive.

Orton regains control and there's more slow-paced dissection. He sets up an RKO but Kingston counters into a rollup. Kingston starts a comeback but is cut off with an RKO outta' nowhere. Kingston gets a foot on the rope at 2. Orton goes for his infamous punt but Kingston dodges and nails a Trouble in Paradise to retain.

Rating: 3 stars. A lot of nice wrestling here, but nothing remarkable. 

Sasha Banks beats Becky Lynch via DQ

Crowd reacts big to Lynch, and is more into this match than the last few. Lynch starts out on top, but once Banks gets control the crowd breaks out into loud "Let's go Sasha!/Let's go Becky!" dueling chants.

After Banks worked over Lynch for some heat, Lynch mounts a comeback. She gets cut off in spectacular fashion though, with Banks countering a flying clothesline with a Banks Statement submission. Lynch powers out and hits an exploder suplex. Crowd has been more quiet, but wakes up with more dueling chants.

The two women trade submissions in the center of the ring, Banks going for the Banks Statement and Lynch the Disarmer armbar. Lynch ends up on top, getting her submission, but Banks gets her foot on the rope. Good stuff here. Banks nails double backstabbers and rolls Lynch into a Banks Statement for an intense false finish, but Lynch gets the rope break.

Banks villains it up, tossing in a chair to distract the ref and then, while the ref isn't looking, hitting Banks in the torso with another chair. She follows up with a shining wizard for a two count. The ref accosts Banks for using a chair and then Lynch takes a chair herself and swings for Banks, but Banks ducks and Lynch hits the ref. 

The two then brawl into the crowd. Lynch uses the stair rails to put Banks in a Disarmer armbar, which was gnarly. Banks and Lynch brawl into the backstage area, where Lynch smears Banks with mustard, and eventually come back to the ring. We're told by Michael Cole that Lynch has been disqualified for hitting the ref. Cool. Inside the ring Lynch destroys Banks with a chair.

Rating: 3.5 stars. A very good match with a weak finish. In fairness, Lynch looked like a badass babyface tearing apart Banks and leaving as a defiant champion, but that's in spite of an uninspired ending.

Still the champ.

WWE

Shinsuke Nakamura retains the Intercontinental Championship

After The Miz' entrance, Sami Zayn comes out to berate the audience, talk smack about The Undertaker and to introduce Shinsuke Nakamura. It sucks that Zayn is a manager, because he's such a terrific wrestler, but he is a fantastic manager. 

Nakamura and The Miz open with some chain wrestling. Zayn immediately takes the mic and starts commentating from the side. After about 30 seconds of amazing commentating, Zayn's mic gets cut off. 

Miz works over Nakamura's leg throughout the match, leading up to a Figure Four submission that gets a nice pop thanks to this being Charlotte, North Carolina, aka Flair Country. Nakamura grabs the ropes to break up the pin. Zayn distracts Miz, allowing Nakamura to his a modified Kinshasa to the back of Miz' head for a 2 count. Miz regains control and nails a Skill Crushing Finale, but Zayn distracts the ref.

Ending comes as Miz chases Zayn around the ring. Nakamura cuts him off, then hits a Kinsasha in the ring for the win.

Rating: 3.25 stars. This match had a slow start, got very good towards the end but had a finish that made The Miz look dumb. Miz's offense also looked weak at points. 

Nikki Cross and Alexa Bliss retain Women's Tag Titles

Alexa Bliss comes out with a Harley Quinn-inspired look tonight.

Nikki Cross starts the match with Mandy Rose, who after some taunting from Cross tags in Sonya Deville. Eventually Rose is back in the ring against Bliss. Some sloppy stuff here, some of Bliss' forearms and slaps look great but there was some conspicuous mishaps too. The two were at some points a second or two out of sync. 

R-Truth runs into the ring and is chased by the 24/7 Championship crowd for a quick distraction. Bliss tries to rollup Truth, but he kicks out and runs into the crowd. This sentence must be completely incomprehensible to someone who doesn't regularly watch Raw.

Deville and Rose hit a double-team move on Bliss, but the pin was broken up by Cross. Bliss tags in Cross, Cross scores the pin on Rose after a top-rope neckbreaker. 

Rating: 2 stars. Not bad, a well laid out match (except for the 24/7 distraction), but there was a lot of sloppy wrestling here and the crowd wasn't particularly interested.

The Revival defeats The New Day

The Revival are awesome and The New Day very good, but these teams are struggling to get the crowd alive. The New Day dominate until The Revival out Xavier Woods and double team Big E. The crowd did wake up when Big E, after around 5 minutes of being beaten down, tagged in Woods. 

Woods runs wild on The Revival, but is cut off when he gets kicked in his injured leg. Big E comes in for a nice sequence that ends up with The Revival hitting a Shatter Machine on the outside. Scott Dawson and Dash Wilder then pick apart Woods in the ring and nail him with a Shatter Machine. They could go for a pin but decide to work over Woods' leg more.

Dawson puts Woods in a submission lock and Woods taps out.

Rating: 2.75 stars. Some nice wrestling here, but the middle section of the match felt plodding and the crowd, though sporadically invested, on the whole wasn't super into it. 

Bayley retains her SmackDown Women's Championship

Flair opens hot with a big boot to Bayley, who then retreats out of the ring. Flair chases Bayley around and, back in the ring, hits her with some chops and some snug-looking strikes. Outside the ring Flair throws Bayley into the ringside barricades. Pretty gnarly looking. Here the crowd pipes up with a "Let's go Charlotte!" chant. 

Flair starts working over Bayley's leg. The story of the match so far is that Flair is murdering Bayley. Bayley reteats to the corner and the ref stops Flair from keeping the offense up. Bayley takes the bottom turnbuckle padding off, pulls Charlotte into it in an illegal move and, surprisingly, gets the 1-2-3. 

After the match Bayley legs it to the back.

Rating: 2.5 stars. This match actually told a coherent story. Flair was killing Bayley, who blatantly cheated to retain her title. The hero looks strong, the villain looks evil. It was too short to be a great or even good match, but was solid for what it was.

Robert Roode and Dolph Ziggler are Raw Tag Champions

Good opening match here. It opens with Strowman dominating both Roode and Ziggler, then tagging in Rollins. Ziggler turns the tide with a wicked DDT on Rollins outside the ring. The crowd was a little quiet at the beginning, but really got into the match as the bad guys kept cutting off Rollins from tagging in Strowman. 

Big pop when Strowman gets tagged in. He runs wild -- literally running Ziggler and Roode down on the outside -- but Ziggler rakes his eyes and double teams him with Roode. Eventually Strowman tags in Rollins. Amazing hot tag. This guy was flying all over the place, springboards inside the ring, suicide dives outside, more springboards inside. 

Match ends when Roode sets up a Glorious DDT and Strowman bumps Roode into Rollins. Strowman and Ziggler take a tumble outside, and Roode hits a DDT on Rollins for the win. 

Robert Roode, bottom of the card a month ago, pins the Universal Champion.

Rating: 3.5 stars. Slow start, but ultimately a solid match with a very good final few minutes. 

Your new tag champs. 

WWE

Preshow results

AJ Styles defeats Cedric Alexander in a United States Championship match: The first surprise of the night is that this match was on the preshow. Styles beats Alexander in a 5-minute match.

Drew Gulak retains the Cruiserweight Championship: Gulak beats Humberto Carrillo and Lince Dorado in a triple-threat match.

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DIY Peloton bike: How to build your own smart cycle on the cheap

DIY Peloton bike: How to build your own smart cycle on the cheap

Indoor exercise bikes have been around forever, but it feels like Peloton turned what used to be a dull, monotonous fitness activity into something exciting. Unfortunately, Peloton also turned it into something expensive: With prices ranging from $1,895 to $2,495, these "smart bikes" cost considerably more than most "dumb" ones. And that's not even factoring in the required subscription for exercise classes, which runs $40 a month.

Let's forgo the debate over whether the bike and service are worth the money. Instead, let's look at ways to get a Peloton-like cycling experience at home for less -- quite possibly a lot less.

Read more: Best workout subscription apps for 2020: Peloton, Daily Burn and more

For starters, I've already tested a number of affordable Peloton alternatives -- "connected" bikes that have similar designs and, in some cases, similar spin-class offerings. But even then you're looking at around $900 at a minimum. Surely there must be cheaper DIY options for budget-strapped cyclists?

There are:

• You can buy an inexpensive exercise bike and use it with any number of "experiential" iPad or iPhone apps -- including Peloton's (see below).
• You can buy a "trainer" and use the outdoor bike you already own -- again with apps to enhance the experience.

The hardware is actually the easier part of the equation, so let's start by looking at the software.

Read more: The best smart home-gym tech

It's all about the app(s)

The Peloton app gives you full access to all Peloton fitness content, but for a much lower price ($13 a month) than bike owners pay.

Rick Broida/CNET

As you know, the Peloton bike slings all manner of live and recorded classes to its big built-in screen. But what you may not know is that Peloton also offers these classes to the masses -- those who don't own the company's equipment -- courtesy of the Peloton app. 

Available for Android, iOS, Fire TV, Roku and Chromecast, it allows you to "BYO bike" (or treadmill, just FYI), though with one key omission: You won't get all the same live stats and metrics (distance, resistance, calories burned and so on) as you would from a Peloton bike. Likewise, it may be difficult to mirror the exact resistance called out by instructors during classes; a "20" on the Peloton bike has no real correlation to a bike that uses an analog dial for resistance. You also don't get the Peloton's large screen to watch classes or keep track of your stats, but I'll cover how to replicate the experience below. 

However, you can feed heart-rate data to the app -- all you need is an inexpensive third-party heart-rate monitor. Similarly, the app can capture cadence (i.e., pedal-rate) data, which, again, can come from an inexpensive sensor. More on those options later.

Here's the real surprise: The Peloton app costs just $13 per month, not $40 like for owners of the Peloton bike. Whatever bike you end up using, your overall costs will end up much lower.

Since you're going the BYO route anyway, you don't necessarily have to use the Peloton app. Or, you can switch between that and any number of others. Maybe you're not interested in spin-type classes; maybe you'd prefer virtual rides through famous city streets or on beautiful mountain trails. Maybe you'd like to compete in virtual races. There are lots of cycling apps designed to let you do all that and more. A few examples:

There are two newcomers worth mentioning as well: Fitscope Studio ($10 a month or $80 annually) and Motosumo ($13 a month). The latter promises to "turn any bike into a smart bike," offering live indoor cycling classes with various stats (collected from a Bluetooth HR monitor and power meter) displayed on your phone. Fitscope Studio offers a wider array of classes (including elliptical, treadmill and "scenery runs"), but without the live option or stat-monitoring.

There's no law that says you have to use a cycling app at all. Maybe you'd prefer to read a book in the Kindle app or stream The Queen's Gambit on Netflix. That's about as far away from the "Peloton experience" as you can get, but it's also a very low-cost option. (Here are 10 free Netflix alternatives to keep costs even lower.)

Inexpensive indoor exercise bikes

This Pyhigh bike sells for around $300. It's no Peloton, but if you're using the Peloton app to take classes, will you even notice?

Pyhigh

As noted, there are exercise bikes that cost a fraction of what you'll pay for the Peloton. You won't get all the same features, and build quality might not be as good. But if your goal is simply to ride inside while enjoying instructor-led classes, that's easily accomplished.

What should you look for in an indoor bike? A few key specs: The weight of the flywheel (conventional wisdom holds that heavier is better), the type of resistance (friction or magnetic, the latter typically quieter) and the inclusion of a phone or tablet holder. This last is pretty important, as you'll need a device for whatever app(s) you plan to use. You can buy a third-party holder if the bike you like doesn't include one -- more on that below.

However, any bike in the $200-$400 range won't be "connected," meaning it won't have any way to pair with that device. If you want heart-rate and/or cadence data from your rides, you'll have to add that equipment on your own.

Search Amazon for indoor exercise bikes and you'll find a dizzying array of choices, many of them from brands you're not likely to recognize: L Now, Pooboo, Pyhigh and so on. That's not necessarily a bad thing, but it can make your decision that much more difficult.

Having perused a lot of these brands and models, I found a few that appear to tick most of the important boxes. The Pyhigh S2 Indoor Cycling Bike features a 35-pound flywheel, an LCD monitor that displays basic cycling stats and a tablet holder. It currently sells for $307, though in the past it's been as low as $220.

The S2 is also notable because it has over 1,700 user reviews, and those average out to a solid 4.4 stars. With that kind of review volume, it's less likely you're seeing a preponderance of fakes, something to consider when looking at a product that has only a couple dozen ratings. (Find out more about this in my story on how to spot fake Amazon reviews.)

If you want a bike that uses magnetic resistance, which will definitely get you a little closer to a Peloton-like ride, check out the Joroto X2 for $400. It has a 4.5-star rating from over 1,900 buyers.

Again, these are just two options out of many. You could also head to your local sporting-goods store in search of bikes you can actually try before buying.

Indoor trainers for your outdoor bike

BYO bike and mount it on something like the Saris CycleOps M2 ($550) for a more realistic (but still app-connected) indoor-cycling experience.

Saris

Avid outdoor cyclists will tell you to skip these fancy (and even less fancy) exercise bikes in favor of the one you already own. You'll spend considerably less money and get a much more familiar (and realistic) riding experience.

The key piece of hardware you'll need: An indoor trainer, which typically combines a simple stationary stand for your front wheel and a roller for the back one. The trainer holds your bike upright; all you do is hop on and pedal.

These things range in price from under $100 on up to $1,000 and more, depending on design and features. One standout is the Saris CycleOps M2, a "smart" trainer that connects directly to apps like Rouvy and Zwift. Its electromagnetic roller will automatically adjust the tension to correspond with your virtual ride. (Pedaling up a hill, for example? The tension will increase.) The M2 is currently selling for $550, but has been as low as $430 in the past.

Your bike plus $150 gets you an indoor-cycling setup.

Sportneer

Looking for a less expensive option? For $150 (previously as low as $90), the Sportneer Bike Trainer offers a simple rear-wheel roller along with a handlebar-mounted remote that provides six resistance settings. It has a 4.4-star rating from nearly 4,000 buyers.

Just one wrinkle in this plan: Your bike probably doesn't have a place to put a tablet. You could always prop it up on a nearby table or shelf, but that'll make it harder to see and impossible to reach while riding. Thankfully, there are super-cheap tablet mounts designed for indoor bikes (ironic!) that should also work with your road bike. Here's one that costs all of $16.

Other gear you'll need

There are a couple key stats that go hand-in-hand with the Peloton experience: heart rate and cadence. Fortunately, you can track both without spending a lot, and feed that data directly to whatever app(s) you're using.

The Wahoo Cadence Sensor can install on nearly any bike. It feeds speed data to cycling apps.

Wahoo

The Wahoo Cadence Sensor is a popular choice; it can mount on your shoe or, more permanently, one of your bike's crank arms. It sells for $40.

Wahoo also makes a chest-strap heart-rate monitor, the Tickr, that runs $50. However, if you don't mind going a little off-brand, you can get something like the CooSpo heart-rate monitor for $39.

Finally, although you can use your phone, a tablet with a larger screen is really the ideal option -- the better to see your instructor or virtual bike trail. One of the cheapest options: The Amazon Fire HD 10, which sells for $150 but routinely goes on sale for $30-$50 less. There's a version of the Peloton app available for Fire tablets, same as for Android and iOS tablets.

Now for the bad news: Peloton is just about the only popular cycling app that's available for Fire. No FulGaz, no iFit, no Rouvy, no Zwift. If you want to run those, you'll need an Android tablet or an iPad. Check out CNET's roundup of the best tablets of 2020 if you need some recommendations.

My advice: Be on the lookout for an iPad deal. The current-gen iPad 10.2, for example, lists for $329 but often goes on sale for $279. There aren't many Android tablets available these days, and anything with a 10-inch screen is likely to cost you more than that iPad.

Let's do the math

When all is said and done, how much will it really cost you to recreate the Peloton experience without the Peloton bike? That depends on how much equipment you might already own and how much you need to buy. But the Peloton app itself feels like the real bargain at just $13 per month. In addition to live and on-demand cycling classes, it serves up a wealth of other fitness content: cardio, HIIT, yoga, meditation, stretching and more.

At the top end, you might spend $400 on a bike, $250 on a tablet and $100 on miscellaneous extras, for a total of around $750. That's still less than half the price of a Peloton bike, and you're not locked into a $39-a-month subscription.

Now let's hear from you: What kind of home-brew Peloton setup are you planning to put together? And if you've already got one, what kind of gear does it have, and how's it working out?

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