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Labor Day Weekend Travel: What To Do If Your Flight Is Delayed Or Canceled


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Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled


Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

What's happening

An estimated 12.8 million Americans will fly over Labor Day weekend.

Why it matters

While air travel has returned to pre-pandemic levels, many airlines are still plagued by significant delays and cancellations.

Labor Day is here and, despite ongoing flight disruptions and high ticket prices, an estimated 12.6 million Americans will be flying over the three-day holiday weekend, according to data from travel site Hopper.

American Airlines alone estimates 2.5 million customers will board 26,400 scheduled flights through Monday. 

Many of those fliers will face delays and cancellations. On average, 23% of flights in August were delayed from departing US airports, an increase of nearly 30% compared to 2019. And cancellation rates last month were more than double their 2019 rates, as airlines mobilize to address staff shortages, pickets, weather disruptions and other issues.

By 10 a.m. ET on Thursday, American Airlines had already reported 100 delayed flights, according to the website FlightAware, and 23 cancellations. Industrywide, more than 800 flights within, into, or out of the United States have been delayed Thursday morning and 102 canceled.

Analysts don't expect schedules will get back to normal until at least the fall, when demand settles down and new hires have had time to be trained up. 

If you're flying over Labor Day, here's what you need to know about avoiding a travel nightmare, what the airlines owe you if there's a cancellation or delay, and more. 

For more travel tips, here are some great travel gadgets, guidance on renewing your passport online and 19 things to add to your travel checklist. before leaving home.

Why have there been so many delays and cancellations?

canceled flights on board

Layoffs and contract buyouts during the pandemic have left many airlines short-staffed, fueling ongoing delays and cancellations.

Getty Images

Since Memorial Day, US-based airlines canceled more than 50,000 flights and delayed over a half-million, according to NPR. Delta said it canceled 100 scheduled daily flights in the US and Latin America between July 1 and Aug. 7. Southwest Airlines nixed almost 20,000 summer flights.   
The biggest factor has been that airlines are incredibly short-staffed. When the pandemic slowed air travel to a trickle, many carriers bought out employees' contracts and encouraged older pilots to take early retirement.

As a result, from December 2019 to December 2020, the number of airline workers shrank by at least 114,000, according to the Bureau of Labor Statistics. Now carriers are clamoring to staff back up, but they're finding it hard to fill positions. 

The shortages extend to ground staff, baggage handlers, gate personnel and other workers, FlightAware spokesperson Kathleen Bangs told CNET. "They did a lot of buyouts during the pandemic. It's a remarkable growth period and they're just back-footed." 

It's particularly acute with pilots because it can take up to five years and cost hundreds of thousands of dollars to train someone to fly a commercial airplane.

"Most airlines are simply not going to be able to realize their capacity plans because there simply aren't enough pilots, at least not for the next five-plus years," United Airlines CEO Scott Kirby said in a quarterly earnings call back in April, NBC News reported.

Extreme weather has also added to the problem: Severe thunderstorms have caused multiple delays and flight cancellations, and that's aside from hurricane and wildfire season. Aircraft can fly at lower altitudes to try to avoid storm systems, but that burns more fuel -- a dicey proposition given the high cost of jet fuel. 

How to avoid having your flight delayed or canceled

There isn't much you can do to prevent a delay or cancellation. But there are some common-sense steps that will give you a better shot at making it to your destination -- or at least relaxing at home or in a hotel room, rather than stewing in the airport.

The American Airlines mobile app

Download your airline's mobile app to keep on top of changes to your flight schedule.

Pavlo Gonchar/Getty Images

Leave extra time for layovers. You might think an hour is plenty of time to get from one gate to another, especially in the same terminal. But if the first leg of your journey is delayed that hour can turn into 30 minutes. And with most airlines closing the plane doors about 15 minutes prior to departure, you could easily miss your connection.

Hartsfield-Jackson Atlanta International Airport (ATL), Denver International Airport (DEN) and Los Angeles International Airport (LAX) top the list of busiest hubs over the Labor Day holiday, according to Hopper.

Don't book a late-night flight. If you miss a connection, most airlines will work diligently to get you on the next available flight. But if you booked the last flight of the day to your destination, that may mean having to wait until morning -- and either pacing through the airport for hours or booking a night in a nearby hotel. 

Download the airline's app on your phone. Opt into flight notifications and start manually checking the status of your flight regularly, at least 24 hours in advance. As soon as you hear your flight has been cut, find out if you've been transferred to another flight.

Monitor the weather at both your departure and arrival airports. Start checking the weather in both places a few days before your flight. Some airlines will actually reschedule your flight in advance of a major weather front at no extra charge. If a storm is on its way, you might consider leaving a few days earlier or later or finding a different route.

Buy travel insurance. Depending on why your flight is canceled or delayed, the airline might not comp any meals, accommodations or transport you're forced to purchase. The payout for travel insurance may not cover all of your expenses, but it will definitely be more than the cost of a policy, typically 5% to 10% of your trip cost.

What to do if your flight is delayed or canceled

Time is of the essence, so be proactive about rescheduling your flight. 

"A lot of the time you can reschedule yourself on the flight of your choice" using the airline's app, said David Slotnick, senior aviation reporter for The Points Guy. "It'll save you a lot of time and aggravation." (Like CNET, The Points Guy is owned by Red Ventures.)

If that's not possible, call the airline. Even if you get sent to an automated system, it may have a call-back function. You can still call if you're already at the airport. Do it while you're in line to talk to an agent and take whichever option is available first.

What does the airline owe you if your flight is canceled?

Frustrated man at airport counter

While some airlines are able to get you booked on a different carrier if your flight is canceled, not all can.

Dmitry Marchenko/Getty Images

In the US, if a flight is canceled because of something that is the airline's fault -- a mechanical issue or a staffing shortage -- the carrier is required to refund your ticket.

"If you get canceled for any reason -- you don't take your flight -- they have to offer you a cash refund," Transportation Secretary Pete Buttigieg told NPR. "If you'd rather take miles or a different flight, fine. But that's up to you, not them. They've got to give you a refund. That's a basic rule,"  

The Department of Transportation website mandates airlines must also refund the cost of your ticket after a schedule change or significant delay, but the agency hasn't defined what constitutes a "significant delay."

"Whether you are entitled to a refund depends on many factors -- including the length of the delay, the length of the flight and your particular circumstances," according to the DOT website. Whether a refund following a significant delay is warranted is determined "on a case-by-case basis." 

If you don't request a refund, the airline is still responsible for getting you to your destination. But it could be much later than your original flight. Under most circumstances, carriers should provide vouchers for meals and hotels.

Make your plans quickly, though: Airport hotels fill up quickly amid widespread delays and cancellations.

Some airlines will work to get you on another flight with a different airline, Slotnick said, but not every airline has relationships with other carriers. 

What are airlines doing to address delays and cancellations?

Hiring more employees. "All the airlines are doing major hiring initiatives," Slotnick said. "They're rushing to hire pilots and deploy them." They're also trying to improve work conditions for existing workers: In April, Delta announced it would start paying flight attendants during boarding, rather than just once the plane door closes.

The move, a first for a major US airline, is seen as a countermeasure to a unionization push among workers.

Scheduling more flights. Someairlines are boosting service in popular corridors when they can. "They're trying to strike the right balance between adding flights and creating some slack in the system," Slotnick said.

For example, United Airlines recently launched or resumed 30 flights between the US and Europe, its largest expansion ever. Regular flights from Denver to Munich, Chicago to Zurich and New York to Bergen, Norway, are underway, as well as daily service between Boston and London.

When fully operational, United's transatlantic route network will be more than 25% larger than it was in 2019, before COVID-19 cratered air travel.

Plane coming in for a landing at SFO

Some airlines have ramped up their roster of scheduled flights, while others have pared down to avoid having to cancel them later.

James Martin/CNET

Scheduling fewer flights. Otherairlines are going in the opposite direction, reducing their capacity rather than risk being forced to cancel a scheduled flight. JetBlue has already reduced its May routes by almost 10%, Conde Nast Traveler reported, and will likely make similar cuts throughout the summer.

"By reducing our flight schedule for the summer and continuing to hire new crewmembers, we hope to have more breathing room in the system to help ease some of the recent delays and cancellations that we've seen in the industry," a JetBlue spokesperson told the outlet. 

Southwest Airlines, the world's largest low-cost carrier, cut more than 8,000 domestic flights in June "to adjust to capacity," the company told The Business Journals. 

Delta  "temporarily cut" some Labor Day weekend flights from Ronald Reagan Washington National Airport and New York's LaGuardia and John F. Kennedy airports to deal with a large number of airline crew members and air traffic controllers who have already called in sick, The Washington Times reported.

Giving passengers more notice. All the airlines are making a concerted effort to give passengers as much information as possible, Slotnick said, through text updates and other notifications.

"Even a year before the pandemic, airlines were trying to be proactive about informing passengers, even 24 or 48 hours in advance of a possible cancellation," he said.

Offering waivers
United, Delta and other carriers are offering travel waivers to passengers to encourage them to move their flights out of busy time periods. All waiving the usual flight-change fees and some are even foregoing the usual fare difference.

The Department of Transportation has stepped in to hold airlines accountable

On Sept. 1, the U.S. Department of Transportation launched a new website that lets fliers know what they're entitled to when their flight is significantly delayed or canceled. The Aviation Consumer Protection site has a dashboard that compares what policies are regarding rebooking, meal and hotel vouchers and complimentary ground transportation for carriers including Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit and United.

The Transportation Department's Air Consumer Dashboard

The Transportation Department's Air Consumer Dashboard compares offerings from major carriers.

Department of Transportation

"Passengers deserve transparency and clarity on what to expect from an airline when there is a cancelation or disruption," Transportation Secretary Pete Buttigieg said in a statement. "This dashboard collects that information in one place so travelers can easily understand their rights, compare airline practices, and make informed decisions."

Buttigieg said the goal was to get the airlines to "raise the bar."

"Look, Americans have had experiences with cancellations, delays and poor customer service that just aren't at an acceptable level," he told NPR. "A lot of the airlines are not quite transparent about how and when they'll take care of passengers. "So we're going to put that information out ourselves."

Just knowing that information is out there for air travelers to see has spurred carriers to improve their offerings, Buttigieg added. 

The Department is also collecting comments on a proposed rule requiring airlines to proactively inform passengers about their right to a refund. It would also provide a clearer definition of a "significant change" to a scheduled flight and require airlines to provide non-expiring vouchers to passengers unable to fly because they contracted COVID-19 or other communicable diseases.

The proposal would also mandate carriers that receive pandemic assistance issue those passengers refunds instead of vouchers.

Are any airlines better or worse in terms of cancellations?

An airplane with a Delta logo on it

In 2021, Delta had the fewest cancellations of any major US airline.

Boarding1Now

Without naming names, Slotnick says that, broadly speaking, low-cost airlines have tighter margins with less slack, so theoretically you're more likely to face a cancellation.

But booking with a big carrier doesn't mean you're immune.

"The regionals have parked a lot of planes because they don't have enough staff," Bangs said. "And a lot of people who book on a major airline don't realize they're actually flying with a smaller carrier."

SkyWest, a smaller airline out of St. George, Utah, subcontracts for Delta, United, American and Alaska Airlines. So does Indiana-based Republic Airways.

Sometimes, bigger is indeed better: Last year, Delta had the best record in cancellation rates, according to The Wall Street Journal's annual airline rankings. The Atlanta-based airline scrubbed 0.6% of its scheduled departures in 2021, a third of the industry average of 1.8%.


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Facebook, YouTube To Restrict Some Russian State-Controlled Media Across Europe


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Facebook, YouTube to Restrict Some Russian State-Controlled Media Across Europe


Facebook, YouTube to Restrict Some Russian State-Controlled Media Across Europe

Facebook, YouTube and other social networks are restricting access to Russian state-controlled media outlets RT and Sputnik across Europe, amid calls to crack down on disinformation. The move will likely heighten tensions between some of the world's most popular social networks and the Russian government.

Facebook's parent company, Meta, said Monday that it will limit the accessibility of Sputnik and RT across the European Union.  

"We have received requests from a number of governments and the EU to take further steps in relation to Russian state-controlled media. Given the exceptional nature of the current situation, we will be restricting access to RT and Sputnik across the EU at this time," Nick Clegg, who oversees global affairs at Meta and is a former UK deputy prime minister, said in a tweet.

Clegg didn't respond to questions on Twitter about what the restrictions entail, how many requests Meta has received and from which governments or how many Facebook users will be impacted by these restrictions. Clegg also didn't say when these restrictions would start. RT's Facebook page has 7.4 million followers and Sputnik's Facebook page has 1.4 million followers. The media outlets are also on Facebook-owned Instagram, a photo and video service. RT has 839,000 followers on Instagram and Sputnik has 116,000 followers. 

On Tuesday, Google said in a post on Twitter that it would block YouTube channels connected to RT and Sputnik across Europe. 

"Due to the ongoing war in Ukraine, we're blocking YouTube channels connected to RT and Sputnik across Europe, effective immediately," reads a tweet from the official Google Europe account. "It'll take time for our systems to fully ramp up. Our teams continue to monitor the situation around the clock to take swift action."

Google, the video giant's parent company, didn't immediately respond to questions on how many YouTube channels would be blocked. RT's main channel on YouTube has more than 4.6 million subscribers, while Sputnik has over 300,000 subscribers. 

Facebook's move came a day after Meta announced it had restricted access to several accounts, including from Russian state-controlled media, in Ukraine after a request from the government there. Meta has been facing more pressure to take action against these media outlets for spreading propaganda and false claims after Russia's invasion of Ukraine.

On Sunday, European Commission President Ursula von der Leyen said in a tweet that the EU's executive branch is developing tools to ban "toxic and harmful disinformation" published by RT and Sputnik and their subsidiaries. The EU is an economic and political union of 27 countries, including France, Germany and Spain.

Following Facebook's move on Tuesday, RT took issue with unspecified comments from European government officials and actions by social media platforms, with its deputy editor-in-chief saying in a statement that no one had pointed to specific evidence of falsehoods appearing on its site during the Ukraine crisis. In its own statement, Sputnik's press arm characterized the restrictions as an "information war against the Russian media."

RT and Sputnik are on other social media sites, including Twitter and TikTok. A spokeswoman for TikTok said users in the EU won't see content from RT's and Sputnik's accounts. Twitter started labeling state-affiliated media, but a spokeswoman said the company had "nothing to share at this time" when asked if the company was also planning to restrict RT and Sputnik. 

The rare move by Meta also raises questions about whether Russia will further restrict access to Facebook and Instagram. Ukrainians have put pressure on Facebook to remove access to the main social network and Instagram in Russia, but Clegg said Sunday those platforms are also being used by protesters and as a source of independent information. "The Russian Government is already throttling our platform to prevent these activities. We believe turning off our services would silence important expression at a crucial time," Clegg said in a tweet on Sunday.

Russia said last week that it's partly restricting access to Facebook after the social network refused to stop fact-checking and labeling content posted on Facebook by four Russian state-owned media organizations. Russia's telecommunications regulator, Roskomnadzor, alleges Facebook violated "fundamental human rights" by restricting the country's state-controlled media.

Facebook and YouTube have also been barring ads from Russia state media. Twitter also said last week that it's temporarily pausing ads in Ukraine and Russia. 

On Sunday, Meta also announced that it removed a network of about 40 fake accounts, Pages and Groups on Facebook and Instagram from Russia and Ukraine. Meta said some of these accounts pretended to be news editors and ran fake news websites and published stories that included "claims about the West betraying Ukraine and Ukraine being a failed state." Meta, which owns Facebook, Instagram, Messenger and WhatsApp, created a special operations center with experts who speak Ukrainian and Russian to help monitor its platform.

CNET's Carrie Mihalcik contributed to this report.


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NASA Delays Artemis I Moon Launch To This Weekend


NASA Delays Artemis I Moon Launch to This Weekend


NASA Delays Artemis I Moon Launch to This Weekend

Artemis I , the first mission in NASA's ambitious program to get humans back to the moon, suffered an engine setback just hours before liftoff Monday morning, forcing the highly anticipated launch to be scrubbed. The space agency is now looking at a backup window that opens on Saturday, according to a Tuesday press conference.

At first, the Artemis team was looking at a Sept. 2 do-over date.

"To summarize, we held at T-minus 40 minutes and counting after the team was unable to get past an engine bleed that didn't show the right temperature once they got into the engine bleed test," NASA said as part of its scrub announcement on Monday. "Ultimately, the launch director has called a scrub for the day. The earliest opportunity, depending on what happens with this engine, would be Sept. 2, that is available to the launch team, however we will await a determination."

But then, after reconvening a day after Monday's activities, the team assessed all the data and confirmed that the series of unfortunate events for Artemis I is best addressed with an extra day of work on Artemis equipment. Basically, as Artemis mission manager Mike Sarafin said in Tuesday's conference, problems on launch day began with some weather challenges that delayed the start of tanking, followed by a leak while loading the rocket with cryogenic fuel at what's known as the "tail service mast umbilical" on the hydrogen side.

Somehow, despite that leak, however, the team then managed to work its way through loading the core stage and upper stage with fuel, thus producing a fully loaded vehicle -- then came the nail in the coffin. There was a complication with the rocket's engines. 

"We were unable to get the engines within the thermal conditions required to commit to launch," Sarafin said. "In combination with that, we also had a bent valve issue on the core stage, and it was at that point that the team decided to knock off the launch attempt for that day."

Therefore, in conclusion, "we agreed on what was called option one," Sarafin said, "which was to operationally change the loading procedure and start our engine chill down earlier. We also agreed to do some work at the pad to address the leak that we saw...and we also agreed to move our launch date to Saturday, September the 3rd."

From an audience viewpoint, here's what went down on Monday.

After a brief weather delay, things looked on track for Artemis I's bright orange Space Launch System rocket, but a couple of unforeseen technical hurdles quickly arose during its fuel loading stage. On top of that, earlier in the day, NASA broadcasters noted there was a "crack" in the thermal protection system material on one of the SLS core stage flanges, but it was later revealed to be a consequence of the super-chilled propellant, not a structural issue.

With regard to engines, as the rocket's boosters were being filled with liquid oxygen, NASA engineers did note that engine 3 was "not properly being conditioned through the bleed process." This process is meant to allow the engines to chill to the right temperature by releasing a small amount of the fuel. It wasn't working, as Sarafin explained Tuesday.

Back in June, at the time of Artemis I's wet dress rehearsal -- which took four tries to complete -- the team hoped to examine the efficacy of exactly this bleed process, but didn't get to it. "This is something they wanted to test during wet dress four but were unable to," NASA broadcaster Derrol Nail said during the agency's livestream of the launch attempt. "So this was the first opportunity for the team to see this live in action. It's a particularly tricky issue to get that temperature dialed in."

About an hour after trying to troubleshoot the engine 3 bleed problem, the team met with launch director Charlie Blackwell-Thompson to discuss how to move forward. "Right now, the indications don't point to an engine problem," Sarafin said, meaning the setback likely isn't tied to the engine interface itself. "It's in the the bleed system that thermally conditions the engines."

Nonetheless, Artemis I's launch was scrubbed. 

"It's just part of the space business -- and particularly a test flight," NASA Administrator Bill Nelson said after the delay was announced on Monday. "We are stressing and testing this rocket and spacecraft in a way that you would never do it with the human crew on board. That's the purpose of a test flight."


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Move Aside, Way Day: Amazon Offers Better Deals On These 5 Products Today


Move Aside, Way Day: Amazon Offers Better Deals on These 5 Products Today


Move Aside, Way Day: Amazon Offers Better Deals on These 5 Products Today

As Wayfair's biggest sale of the year, Way Day, comes to a close, you're probably scouring the site to save the most money possible on discounted products. But what if we told you that not all of the discounts offered during Way Day are the best deals you can get online? While it may seem as if you can find the best prices on Wayfair for just about everything on its site, you can actually find certain products on sale at Amazon, for less. 

We've sifted through several deals on Wayfair and compared them directly with Amazon's prices on the same items, looking for maximum savings. Even though prices will change, what we know right now is that the deals we found on these items discounted by Wayfair are even better on Amazon today. 

And while you're here, if you're interested in the best deals we've found thus far on Way Day, check out our articles on the best Way Day deals and shop for five deals under $20.

Amazon

Cuisinart's 12-speed stand mixer includes a mixing bowl, whisk, mixing paddle and more to get ingredients mixed perfectly before you bake. Cuisinart is a brand we've reviewed many times before with a long-standing reputation, so this offer is appealing not only because of the $190 price (get this price by clipping the 5% Amazon coupon code) compared with Wayfair's $250 price, but because this mixer is well-made.

Amazon

This Cuisinart compact air fryer is small enough to fit on any counter and holds 2.5 pounds of food. For $100, or $15 less than Wayfair's price, you can air-fry your meals using adjustable time and temperature knobs, letting you whip up your favorite foods with less grease.

Amazon

There is no reason to vacuum the old-fashioned way if you can do it hands-free. This iRobot Roomba 694 vacuum cleaner from Amazon costs just $180, a savings of $60 compared with the same vacuum from Wayfair. If you pair this robot vacuum with an Amazon Echo Dot you can operate it with voice commands, or you can use the app instead. For up to 90 minutes, it can collect dirt and grime from carpet and hardwood floors.

Amazon

This is another deal that's only better than Wayfair by a few dollars, but for $5 cheaper, you can program this machine to brew your favorite coffee, with regular or bold strength. The GE coffee maker holds 1.5 liters (50 ounces) and even keeps your drink fresh for up to two hours.


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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


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.


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Wordle: Your Best Starter Words, Strategies, Tips And Tricks To Win


Wordle: Your Best Starter Words, Strategies, Tips and Tricks To Win


Wordle: Your Best Starter Words, Strategies, Tips and Tricks To Win

Recently, I shared my new easy winning strategy for playing Wordle, the hit online game invented by Josh Wardle that's now running daily on The New York Times' site. Essentially, I begin with TRAIN and CLOSE, then look at any correct letters and try a word that uses them in numerous spots. When I need to picture possible winning words, I utilize Xs to spell out the correct letters I know so far.

So far, the strategy is still working. While my streak of 38 wins is nothing to some people, it's my best ever. And I laughed to discover that right after I published the strategy, the answer to one day's Wordle was CLING, which nabbed me two letters from TRAIN and then two in the first two positions from CLOSE. It was kind of my Wordle lucky day. 

But as with any strategy, sometimes I get tired of proceeding down the same path or I feel stuck after four guesses and need to shake it up.

So I asked readers and friends to share their Wordle strategies these days. Hope you'll find some tips to freshen up your game play here.

Be a CHAMP

"I used to use TRAIN as my first guess; now my first two words are always NOISE and TRULY. If the word isn't apparent, I next use CHAMP. Those three words give me 15 letters that are most common, including all 6 vowels. If I'm still totally lost, I go with DEBUG, giving me three more consonants."  --Dan Hughes

Use yesterday's winner

"I always start with the previous day's winning word. Continuity!"  --Marc Hirsh

The random method

"For a long time I used two starter words that gave a lot of vowels and common letters, which always made me a solid four-line winner and sometimes three. But then I branched out and just tossed in random words. Still made me a solid four line winner, sometimes three and a couple of twos."  --Susan C. Young

Another vote for random

"I have almost no strategy. My wordle (and quordle) play is a random free for all. I get wordle in 4 guesses almost every time. I use whatever starter word pops into my head. I will use a second, random word to try to get more hits."  --Debe Ashe Hoover

Importance of A and R

"I also always type out what I have correct with 'X' in the unknown spot(s). Often times a visual person like me can then see the correct answer right away. Also, if I have an 'a' and an 'r' in the wrong place, I almost always move them to the 3rd and 4th spots, so it (could spell) 'are' or 'ard,' etc. That's where they belong a large percentage of the time, if I don't already have it correct."  --Christine Eberhard Minor

Get those vowels

"My strategy is starting with AUDIO to target four vowels."  --Vanessa Bloy

Did we mention vowels?

"ALOUD or OCEAN are my usual."  --Juli Jansen Pelletier

'Stare' at the puzzle

"I stopped playing — but my starter word was always STARE."  --Scott Lerman

Use a 'straw'

"(My starter word) is STRAW…". --Stefan Myslicki


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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


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.


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