Toshiba Portege Z935-P300 Review: An Excellent Ultrabook Value

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Toshiba Portege Z935-P300 review: An excellent ultrabook value

Toshiba Portege Z935-P300 review: An excellent ultrabook value

Editors' note: According to Toshiba's specification information for the Portege Z935-P300, the RAM is not user upgradeable. However, one of our readers, "fozzyfozborne," confirms that while 2GB of the Z935-P300 memory is fixed to the motherboard, there is a slot with a 2GB stick of removable memory. You will need a Phillips-head screwdriver as well as a T7 security bit to remove the entire bottom cover of the system. This review has been changed to reflect this.

The Toshiba Portege Z930 series is a textbook example of a mainstream ultrabook. It's thin, it's light, its battery life is very good, and the entry-point model I tested, the Z935-P300, has enough processing performance for normal everyday computing.

It also isn't any different on the outside than its predecessor, the Z835. We had a few quibbles about that model, which are amplified for higher-priced versions in the series, but at the Z935-P300's $862.50 MSRP they're not deal-breakers, and on the whole the Z935-P300 is an excellent value.

Design
The Z935 is an inoffensive-looking laptop featuring a magnesium alloy chassis with a brushed finish. People likely won't be craning their necks to see what laptop you're using at the coffee shop; it's one that blends in. On the other hand, the large chrome "Toshiba" on the lid will definitely let people know what brand it is. And if you like stickers, this system's got plenty: six on the palm rests and three on the bottom. (You can always remove them with a little effort, but it's one of those things that is less than thrilling to see when you open up a new laptop.)

Sarah Tew/CNET

Other things that cheapen its appearance are the plastic chrome accents by the screen hinges and the chrome power and touch-pad buttons. Putting chrome on things you'll be touching isn't a good idea unless you like looking at fingerprints all the time, and while I understand the desire to add interest to the design, it's unnecessary. More importantly, there is a lot of flex to the lid, which, if you're not careful about handling it, could damage the screen. That said, if you care more about performance, size, and weight, then none of these things matter and certainly don't affect performance.

What might slow you down, however, is the keyboard. If you like big comfortable keys with a lot of travel, this probably isn't the laptop for you. The keys are shrunken; they're a normal width, but shortened. Basically, it can take some adjustment if you're a sloppy typist or are simply used to larger keys. The travel is quite shallow, too, but with a laptop this size that's understandable. On the upside, the keys are backlit and the keyboard itself is spill-resistant.

Other than the chrome buttons, the touch pad is fine: responsive and with the Synaptics' usual assortment of multitouch tools for two-finger scrolling, pinch-to-zoom, and rotate, among other options. I also didn't experience any cursor jumps from my palms brushing the touch pad while typing.

Features
Compared with the components used in the Z835-P370 we tested earlier this year, the Z935-P300 has a new third-generation ultralow-voltage dual-core Core i5 processor and less, but faster RAM. It comes in at a lower price, too, all without sacrificing its 128GB solid-state drive (SSD) for storage or extras like Bluetooth and Intel Wireless Display support.

Price as reviewed	$862.50
Processor	1.7GHz Intel Core i5-3317U
Memory	4GB, 1,600MHz DDR3
Hard drive	128GB SSD
Chipset	Intel HM76 Express
Graphics	Intel HD
Operating system	Windows 7 Home Premium (64-bit)
Dimensions (WD)	12.4x8.9 inches
Height	0.63 inch
Screen size (diagonal)	13.3 inches
System weight / Weight with AC adapter	2.5 pounds / 3.1 pounds
Category	13-inch

The display on the Z935 has the same 1,366x768-pixel native resolution as the vast majority of 11- to 15-inch laptops. That's fine for a sub-$1,000 laptop, but some of the other thin 13-inch models offer more; the Asus Zenbook, for example, has a 1,920x1,080-pixel screen, and the MacBook Air is 1,440x900 pixels. Generally speaking, the screen gets the job done -- no more, no less. Horizontal off-axis viewing is OK, though you'll have to adjust the screen angle so it doesn't completely invert colors.

The front-firing stereo speakers are fine for impromptu music and movies, but you'll want to connect some headphones or desktop speakers for a more enjoyable experience.

	Toshiba Portege Z935	Average for category [13-inch]
Video	VGA plus HDMI; Intel WiDi-ready	VGA plus HDMI or DisplayPort
Audio	Stereo speakers, headphone/microphone jacks	Stereo speakers, headphone/microphone jacks
Data	2 USB 2.0, 1 USB 3.0, SD card reader	2 USB 2.0, 1 USB 3.0, SD card reader
Networking	Ethernet, Bluetooth, 802.11n Wi-Fi	Ethernet, 802.11n Wi-Fi, Bluetooth
Optical drive	None	DVD burner

The Z935-P300 has a well-rounded selection of ports and connections, including USB 3.0 and an Ethernet jack, the latter of which some of the other ultrabooks don't have. One of the USB 2.0 ports has Toshiba's Sleep and Charge feature that makes it possible to charge a device even while the computer is sleeping.

Sarah Tew/CNET

As for software, along with the stuff that's included with Windows 7, Toshiba installs a long list of utilities for everything from improving battery life to controlling the built-in Webcam to Toshiba's ReelTime, which gives you a visual timeline of recently opened documents, photos, and videos. And as part of the Intel Ultrabook package, you get Intel Anti-Theft Technology, which can disable the laptop if it is lost or stolen as soon as it's connected to the Internet or after a certain number of days.

Battery life
The Portege Z935-P300 lasted for just more than 5 hours of running our video playback battery drain test. Both the Asus Zenbook Prime UX31A and Samsung Series 9 were able to keep going past the 6-hour mark, but they're more expensive and the Toshiba essentially matches them or beats them in performance.

Running video really taxes the battery, too, so if you're just doing more basic tasks you can expect to get more than 5 hours of uptime with some power management. Also, if you like having the ability to swap batteries, the Z935-P300 does not have an easily replaceable battery pack.

Performance
Despite having an ultralow-voltage processor and 2GB less memory than the Z835 we reviewed, the Z935-P300 outperformed it. It's also able to beat or keep pace with similarly configured ultrabooks from other manufacturers, but at a lower price.

As long as your needs don't stretch too far beyond the basics (such as Web browsing, streaming video and music, casual gaming, office tasks, and light photo and video editing), this ultrabook should be able to handle them relatively well.

That said, if you have more demanding tasks in mind for this laptop, Toshiba does sell other configurations with more memory and a faster Core i7 processor. Also, only 2GB of this system's RAM is fixed to the its motherboard; the other 2GB is a user-replaceable stick that can be swapped out for more memory.

Warranty and support
Toshiba includes an industry-standard one-year parts-and-labor warranty with the system. Support is accessible through a 24-7 toll-free phone line, and a customized support search page can direct you to online documents and driver downloads for this specific model.

Conclusion
With the same design as its predecessor and improved components, Toshiba's Portege Z935-P300 is an excellent value for an ultrabook. Its physical flaws are harder to overlook in pricier versions of this model. But since the starting-point Z935-P300 model is currently available for less $850, I'm more concerned with performance and battery life, and it does just fine in those areas.

Find out more about how we test Windows laptops.

System configurations:

Toshiba Portege Z935-P300
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 4GB DDR3 SDRAM 1,333MHz; 64MB (Dedicated) Intel HD 4000; 128GB Toshiba SSD

Lenovo IdeaPad U310
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 4GB DDR3 SDRAM 1,333MHz; 64MB (Dedicated) Intel HD 4000; 500GB Samsung 5,400rpm

HP Envy Spectre XT 13-2050nr
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 4GB DDR3 SDRAM 1,600MHz; 64MB (Dedicated) Intel HD 4000; 128GB Samsung SSD

Samsung Series 9 NP900X3C (13-inch, 2012)
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 4GB DDR3 SDRAM 1,333MHz; 64MB (Dedicated) Intel HD 4000; 128GB SanDisk SSD

Dell Inspiron 13z - 5323
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 6GB DDR3 SDRAM 1,600MHz; 64MB (Dedicated) Intel HD 4000; 500GB Western Digital 5,400rpm

Asus Zenbook Prime UX31A
Windows 7 Home Premium (64-bit) w/ SP1; 1.7GHz Intel Core i5-3317U; 4GB DDR3 SDRAM 1,600MHz; 64MB (Dedicated) Intel HD 4000; 128GB Adata XM11 SSD

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Intel Has More Women in Tech Than Ever, But the Percentage Still Dropped

Intel Has More Women in Tech Than Ever, But the Percentage Still Dropped

New diversity and inclusion figures from Intel, out Thursday, show the company's going to need to make some tweaks to keep the percentages of groups typically underrepresented in the industry climbing. 

The percentage of women in technical roles slid from 25.2% to 24.3% between 2020 and 2021. It's not the direction the company is hoping for given the goal it set in 2020 to get women into 40% of technical roles by 2030. Tech giants like Google (25.7%), Facebook (24.8%), Apple (24.4%) and others have long struggled to hit 30% women in tech roles. 

But according to Chief Diversity and Inclusion Officer Dawn Jones, the slide is prompting Intel to examine what's behind the decline. For the first time since Intel started releasing numbers in 2015, the company included the raw numbers of women in its workforce. There are 26,000 women in tech roles at Intel, the most in the company's history. After a period of heavy hiring last year, though, the percentage took a hit, she said. 

Is it that we are not getting the resumes? Is it that we're not getting the interest? And if we're not getting the interest, why?

Dawn Jones, Intel chief diversity and inclusion officer

"We have to look at that hiring pool more intentionally," Jones said. "Is it that we are not getting the resumes? Is it that we're not getting the interest? And if we're not getting the interest, why? These are questions that we ask. Is [it] the culture? Is it a flexibility issue? Is it a location issue?" 

The company is also setting the goal of making sure hiring for women in tech roles sits at 30% at least in 2022, and tying it to annual performance bonuses, a move Intel has used in the past to try to spur diversity.

Intel's diversity and inclusion numbers are part of its larger annual Corporate Responsibility Report, which covers additional topics like the company's sustainability and education efforts. For example, Intel is committing to net-zero greenhouse gas emissions by 2040. It's also putting $100 million in the next decade toward research and education partnerships relating to semiconductor manufacturing.

Many big name tech companies like Google and Facebook started publishing diversity figures around 2014 as the industry began to face scrutiny over its demographic makeup. The reports confirmed what was already obvious -- tech is largely white and male. 

Since 2015, Intel's been something of a rarity in terms of publicly committing to goals around diversity and inclusion. In 2018, it reached its goal of hitting full representation of women and minorities in its US workforce (compared to broader US tech industry) two years ahead of schedule. In 2019, the company said it closed its pay gap. 

In 2020, Intel set new goals, including putting women in 40% of technical roles by 2030 and doubling the numbers of women and underrepresented minorities in senior roles in the same time frame. 

Overall, the number of women at Intel decreased from 26.3% in 2020 to 25.8%. Intel is 44.1% white, down from 45.8% the previous year. Several underrepresented minority groups saw losses – Hispanic employees fell from 10.5% to 9.3%; Black employees dropped from 5% to 4.9%; Asian employees also declined from 37.6% to 36.3%. The percentage of Pacific Islanders stayed flat at .4% and Native American employees gained some ground at .9%, up from .8%. 

Jones did point out the addition of two new population categories, giving folks the ability to identify as "other" or "two or more ethnicities," which may have contributed to differences in the racial and ethnic breakdowns. 

Intel also hit a new high in terms of the number of women in leadership roles, having 1,449 total, but again the percentage still fell slightly from 18.8% to 18.7%

In terms of pay, women in the US earned as much or slightly more than their male counterparts at Intel. 

Jones also talked about how Intel is trying to respond to the broader moment -- the combination of the coronavirus pandemic, which reports say has throttled women's careers and the Great Resignation. In March, 4.5 million people quit their jobs. 

As people are leaving their jobs in search of better opportunities, Jones said Intel is paying attention to why. Intel is hoping, for one, that the embrace of hybrid workplaces will help bring more women and underrepresented minorities into the fold. Initiatives like its Returnship Program, which aims to get women who have left the workforce for a while back, could potentially also help. 

"Money is a factor, but generally, it's not the only factor or even the driving factor," Jones said. "It's 'I don't feel valued and I'm not getting money. So, let me go find a place that is giving me all of these things.'" 

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https://closingr.costa.my.id/

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Smart glasses are getting ready for an iPad moment in 2022

Smart glasses are getting ready for an iPad moment in 2022

Many products shown off at CES 2022 were about future tech, like cars that change color, robot butlers or invisible headphones. But with rumors that Apple may announce its own take on an augmented reality or virtual reality device sometime this year, companies already making such products are getting dragged into the present.

Chinese TV maker TCL, for example, announced at CES its RayBan-style NXTWear Air glasses that overlay computer-generated images on the real world. Sony used CES to make a surprise announcement about its hotly anticipated PlayStation VR 2 headset, which promises to trick your brain into thinking you're inside a computer-generated world. Qualcomm and Microsoft, meanwhile, announced a new partnership for head-mounted technology chips.

Indeed, technology built around the digital worlds of the "metaverse" was a central theme of 2022's Consumer Electronics Show, which took place both online and in-person in Las Vegas last week. The roughly 2,300 companies that participated showed off all sorts of products, like backpacks and wallets with beacon locators and shockingly close-to-human robots. But a good deal of the buzz at the show focused on head-mounted technology, particularly the headsets from TCL and Sony.

That buzz was there for good reason. The tech world has repeatedly been surprised by competitors that sweep in and take the industry by storm. Amazon did that with its Kindle reading device, which sold out within hours of its initial launch in November 2007. Smartwatch startup Pebble pulled off a similar surprise with its 2012 Kickstarter campaign that topped $7 million in a matter of weeks. 

And then there's Apple, which regularly influences and upends the industry. That very specifically happened 15 years ago in January 2007 when Apple co-founder Steve Jobs announced his company's first iPhone during the Macworld Expo in San Francisco. That happened the same week as CES, pulling attention away from the show and the new phones, which the iPhone ultimately killed off in the marketplace. 

"The industry doesn't want to be burned like they were with the iPhone," Moor Insights and Strategies analyst Patrick Moorhead said.

Apple co-founder Steve Jobs lounges onstage with the newly announced iPad in 2010.

James Martin/CNET

But they were burned again pretty quickly. In 2010, a rush of tech companies including Motorola, Hewlett-Packard and Dell announced competing tablets ahead of Apple's expected introduction of the iPad. More than a decade later, Apple leads the industry with more than 31% market share, according to IDC. Motorola, meanwhile, no longer makes its once-hyped Xoom tablet. HP and Dell, whose devices were stars of CES 2010, sit far below other industry leaders like Samsung, Lenovo and Amazon.

"The industry's a lot more ready for this one, and it's been investing in years," Moorhead said. "You have all these people who are like, 'never again.'"

Apple, which didn't respond to a request for comment, typically doesn't discuss rumors of upcoming products.

Still, Apple CEO Tim Cook has teased his company's interest in AR and VR, either through its software tools offered to developers or statements that the technology is a "critically important part of Apple's future" that will "pervade our entire lives."

"I think AR is one of these very few profound technologies that we will look back on one day and went, 'How did we live our lives without it?'" he told tech YouTuber iJustine in September. "I'm AR fan No. 1. I think it's that big."

The Oculus Quest 2 appeared to sell strongly during the 2021 holiday shopping season.

Scott Stein/CNET

800-pound gorilla

Apple is already one of the most highly valued companies in the world, built largely on the success of devices like the iPhone and iPad, which together make up well more than half its $274 billion in net sales last year.

As longtime tech watchers often note, Apple was a relative latecomer to both markets. Microsoft had built tablet technology into its Windows PC software since 2001. It had also created software for computer-phone hybrids, often called "personal digital assistants," alongside then-market leaders Palm, Handspring and Research in Motion. But when Apple introduced its devices, it offered significantly easier-to-use software and a promise of high-quality apps and data syncing over the internet.

"One thing Apple does differently from everyone else is to create an ecosystem of hardware, software and devices," said Tim Bajarin, an analyst with Creative Strategies, adding that Apple's strengths will likely help it even more in the headset world.

Sony's been slowly revealing its PSVR 2 headset. So far, it's only shown the device's controllers.

Sony

As CNET's Scott Stein notes, VR technology itself is still in flux, "with companies aiming for products that are smaller and more able to be connected to devices like phones." Right now, the Oculus Quest 2, the $299 VR headset from Meta (nee Facebook), is considered the market leader with one of the most popular VR app stores and one of the most affordable devices alongside Sony's $299 PlayStation VR.

Meanwhile, there are no consumer AR headsets that have gained widespread popularity. Microsoft's $3,500 HoloLens 2 and Magic Leap's $2,295 namesake headset are both focused on business customers.

That leaves Apple with an opportunity to jump in, analysts say. "Apple's headset reveal will be a powerful statement that it means business when it comes to metaverse," Loup Ventures analyst Gene Munster wrote in December, adding the company's "investing heavily," a sentiment backed by years of reports about prototypes and initiatives coming out of Cupertino.

One more thing...

Apple's headset may face a larger challenge than competitors from Meta, Sony and Microsoft, analysts say. Apple will also need to overcome consumer apathy.

The tech world's gone gaga over VR and AR before, with relatively few sales to show for it afterward. In the 1980s and 1990s, VR experience centers in malls and Nintendo's Virtual Boy excited techies about the promise of the new technology, but the experience didn't come close to the hype, and sales failed to materialize. The industry imploded before it got a chance to get off the ground.

"I'm AR fan No. 1. I think it's that big."

Tim Cook, Apple CEO

In 2016, VR went through somewhat of a repeat when Facebook's Oculus Rift headset launched after four years of public testing and development. Phone maker HTC introduced its Vive around the same time, as did Sony with its PSVR. Initial sales were lower than expected, according to people familiar with data surrounding Oculus and Microsoft at the time.

Six years later, Oculus appears to have found its niche as a tool for entertainment amid the interminable COVID-19 pandemic. The HTC Vive has largely been used by businesses. VR, AR and the virtual worlds of the metaverse, such as Fortnite, Minecraft and Roblox, have also offered a way to socialize with people amid quarantines and social isolation.

Apple may be able to supercharge that trend, taking advantage of growing interest in the technology for entertainment and social communication, which are among the most popular categories in its App Store.

Until then, CNET's Stein says that even as more and more companies beckon us to join their digital worlds, Apple will remain "the elephant in the metaverse."

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Back to cell phone basics: Buying a non-smartphone

Back to cell phone basics: Buying a non-smartphone

For some people, smartphones and their always-on Internet connections and apps is a waste of money.

If you don't need apps or games and you can live without fast, robust access to the Net from your cell phone, then a smartphone might be expensive overkill. All four of the major U.S. wireless carriers still offer basic feature phones, which don't require expensive data plans. In this Ask Maggie, I offer some advice to a reader who is looking for one of these phones.

I also offer some advice regarding the new all-in-one desktop computers.

Going retro with a basic feature phone

Dear Maggie,

I have an AT&T iPhone 3GS. It's the worst telephone I've ever owned. And I'd say it wasn't even worth the $0 I paid AT&T for it at the time (a year ago). I have no intention of going to the iPhone 5 regardless of what's written about it. Although I get ok service here in the house I don't need a "smartphone" (I have 2 computers - one PC and one Mac laptop) and I have WiFi, so I don't need a handheld device to find places or play games or watch anything on the Internet or Google while I'm in restaurants or in the car. And I'm tired of paying AT&T for data I don't use each month just because I have an iPhone or a "smartphone" and "must" have data.

I might add that I was in the telecom industry for nearly 25 years (I worked for Sprint and MCI when there was an MCI) and the carriers are among the most rapacious greedy corporate enterprises I've ever gotten close to!

Stepping off my soapbox now. In your opinion, what's the best phone that's just a phone? I don't need to do anything but make and receive calls and do texting. I don't care about browsing or email or anything else. I just need a telephone that's simply a phone thank you very much!

Regards and thanks for your response,
Mark

Dear Mark,

While there are definitely more people switching from basic cell phones to smartphones these days, I know there are lots of people out there in your same shoes. Smartphones offer tons of functionality that many people now feel like they can't live without, but the reality is that all that functionality and that ubiquitous access to the Internet is pricey. In some ways, I think it's kind of surprising that there aren't more people asking me for this same advice.

The good news is that all the major carriers, AT&T, Verizon Wireless, Sprint Nextel and T-Mobile USA, each continue to offer basic cell phones and what they call quick messaging devices that do not require data plans. The carriers recognize that there is a subset of customers who have no interest in a smartphone because it's either too complicated or too expensive. But the reality is that each of these carriers see their future in data. And they will do everything in their power to encourage as many customers as possible to sign up for smartphones that require data plans.

Overtime, I expect to see fewer of the more basic devices. But for now, carriers still offer a handful of basic phones that are either free or cost very little when you sign up for a two-year contract.

The great thing about these basic phones is that they are inexpensive. The carriers either give them away for free with a two-year contract, or you pay a minimal amount for the devices. But it's not just the upfront cost that's appealing, as you mentioned in your question, but it costs much less to own a basic phone than it does a smartphone, if you keep your services to a minimum.

For example, on AT&T, you could pay as little as $40 a month for your phone service. Compare this to the $80 a month you'd pay for the lowest amount of data you could get on AT&T's new Share Everything plan. Under that plan, the data service costs $40 a month for 1GB of data and it comes with unlimited text messaging and voice service.

Using a basic phone with no data or text messaging, could save you half. But as you start to add additional services, like text messaging and data, the cost difference is not as big. Adding unlimited texting to AT&T's basic feature phone plan is an additional $20 a month. And if you also wanted to add data, it would cost an additional $10 a month. (Data for feature phones is $15 a month if you subscribe to that without unlimited text messaging.) In total, if you wanted 450 minutes of voice service, unlimited text messaging and unlimited data for a feature phone, you'd pay $70 a month. That's only $10 less a month than you'd pay for smartphone, and you'd be getting much less in terms of the service and functionality of the device.

That said, it can offer some savings. And if you don't plan to subscribe to the data or you are not a heavy text messaging user, a basic phone that doesn't require a data contract is a good option.

My colleague Jessica Dolcourt recently updated her "best of" list in this category.

Here are her top choices:

• Kyocera DurXT (Sprint)
• Samsung Gusto 2 (Verizon Wireless)
• Samsung +159 (T-Mobile)
• LG Rumor Reflex (Sprint)
• Samsung Entro (Virgin Mobile)

If you want more information on each of these phones, check out her story and the reviews of these devices.

As you can see from her list, none of these devices are available for AT&T. Since you are an AT&T customer, I have listed a few devices here that I think offer pretty good value and functionality.

Josh Miller/CNET

Pantech Swift

The Pantech Swift has a QWERTY keyboard that slides out and has an angled screen. It also has a touch screen that offers some icons for accessing some of the basic features and functionality. But CNET's reviewers Jessica Dolcourt and Lynn La were not impressed with the processor speed. And they said the touchscreen is unresponsive. Even though they don't recommend this device highly, they seem to think the Pantech Swift is the most appealing Pantech handset on AT&T with a keyboard. AT&T is currently selling it for $0.99 with a two year contract.

Pantech Renue Josh Miller/CNET

Pantech Renue

The Pantech Renue is another touch screen device with a slide out QWERTY keyboard. But CNET reviewer Jessica Dolcourt said she isn't a fan of the speakerphone or the mediocre camera. What's more, the Renue has a short battery life that many consumers have complained about in their own comments and reviews of the device. While the keyboard is nice for heavy texters, she said that the short battery life and underdeveloped camera are setbacks. AT&T sells this device for $49.99 with a two-year contract.

LG A340 LG

LG A340

The LG A340 is a standard flip-phone from AT&T. This is one of the most basic, barebones devices on AT&T's network. It's equipped with enhanced audio technology for users who are hard of hearing and it has Bluetooth so it can be used with a wireless headset and a 1.3-megapixel camera. Other features include "Text to Speech" functionality that lets you listen to your text messages as they're read aloud to you. It also comes with AT&T radio. With a two-year contract, this phone is only $19.99.

LG Xpression AT&T

LG Xpression

The LG Xpression is another touch screen phone with a slide-out QWERTY keyboard. It has a 2-megapixel camera with video, a personal organizer, Bluetooth 2.1, messaging and e-mail, 3G support, microSD card support (up to 32GB), voice dialing, a Web browser, and a basic music player. The device runs LG's standard operating system, but it also includes some social networking apps, as well as AT&T Navigator and LG Instant Note, which allows easy one touch updates to Facebook, Twitter or for sending a text messages. The Xpression is now $29.99 with a two year contract.

I hope this advice and the device suggestions were helpful. Good luck!

New computer advice

Dear Maggie,

I want to buy a 27" Windows 8 All-In-One for my parents, but don't really know which one is best for them. They're not tech whizzes (though they do like to experiment and learn new things), but they need it to work well and perform smoothly for the next five or more years. Which one(s) would you recommend on a $1500-$2000 budget?

Thanks a bunch,
Josh

Dear Josh,
The CNET Reviews team likes the Dell XPS One 27 the best. You may also want to consider Apple's 27 inch iMac. It's a bit more expensive, but with a budget of $2,000, it's doable.

CNET Reviews editor Rich Brown also has written about finding the best 27-inch all-in-one desktop, where he compares the Dell to the models that Apple offers. So you should check out his story, as well.

You might also want to consider the Lenovo IdeaCenter all-in-ones. Right now they only support Windows 7. But if you wait a few more weeks, you'll likely find more all-in-one computers available running Windows 8.

I hope this was helpful. And good luck!

Ask Maggie is an advice column that answers readers' wireless and broadband questions. The column now appears twice a week on CNET offering readers a double dosage of Ask Maggie's advice. If you have a question, I'd love to hear from you. Please send me an e-mail at maggie dot reardon at cbs dot com. And please put "Ask Maggie" in the subject header. You can also follow me on Facebook on my Ask Maggie page.

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• Back To Cell Phone Basics Buying A Non Certified
• Back To Cell Phone Basics Buying A Non Smartphone
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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

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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
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• How To Pick Your Own Phone Number
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