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Elden Ring Boss Guide: How To Beat Margit, Godrick, Radahn, And More


Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more


Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more

Elden Ring is out  and like every other Souls-like game there are times when you confront a major foe who will put your survival skills to the test.

Elden Ring has the largest roster of bosses and secret encounters of any Souls-style game to date, and people are quickly figuring out how unforgiving these bad guys can be. So with that, we're offering a quick rundown of general tips to know when facing these bosses. Along with that, a guide on defeating some of the first major bosses of the game.

Check back with us in the coming days as we'll be adding more guides and tips on overcoming the big bads of The Lands Between.

General Boss tips

Learn Their Patterns

While every boss can be daunting, they each have a pattern that they follow rigorously. The most important thing you can learn when fighting enemies is how they move and what behaviors they follow. This knowledge can be a bit tough to learn, especially when you have swords and magic spells being hurled at your face. But once you do, you'll get a sense of how a boss' attacks work and what you can do to overcome them.

Don't Rely on Rolling Too Much

Rolling in Elden Ring is vital to every battle, but it's easy to abuse it. The move gives players a small window of invincibility on any attack, so it appears that spamming it would be the right answer to whatever scenario. Do not do this. FromSoftware purposely makes enemies' attacks reach a certain distance for when you roll. Bosses also have multiple quick and delayed attacks to throw off the timing of your rolls. Keep that in mind even in the heat of the battle.

If you need to roll, especially for boss battles, try rolling toward the boss. It sounds counterintuitive but the way FromSoftware designs boss attacks, going toward the boss helps you evade, as the expectation is for you to roll away. If there's one attack constantly hitting you when you roll away, that's when you need to roll forward.

Being Greedy is Dangerous

We know the feeling you can get when a particular foe gets caught in a vulnerable spot, and you want to keep attacking them. However, it's important not to be greedy in those moments. Before you know it, a boss can quickly recover and send you flying with a powerful counterattack. Always be mindful of the time it takes to attack. It's often better to go in for a couple of quick hits and back away to safety, even if there's time for another set of blows.

Make Sure to Use Your Summons

As players progress through the game, they'll receive more summons. These spirits can be somewhat weak and do minimal damage, but they distract the boss. These assists provide a small respite from the battle, allowing you to heal or set up a powerful charge or jumping attack. Calling on a summon should be the first thing players should do in a boss battle. 

For the boss fights of legacy dungeons, there is usually a summon right next to the golden fog gate. Keep an eye out for an orange symbol on the ground as these fighters are powerful and can help you tremendously in these hard battles. You might need to find these NPCs within the dungeon before they will help.  

Finish The Fight, Later

FromSoftware always finds ways to catch you off guard. An example is the Tree Sentinel, a big brute of a boss, in the game's first area. It's a powerful foe that can kill you in two hits. This encounter may give you the impression that you have to beat him at this moment, but trust us when we say that is not the case. You'll inevitably come across some foes that will knock you out in a quick fashion. While you can certainly try and figure a way to beat them, you're often better off just taking the hint and doing something better with your time. You can always come back later once you're stronger and get some revenge -- and those moments are always satisfying.

Now let's take a look at some specific bosses...

Margit, The Fell Omen

margit

Margit, the Fell Omen can be a daunting foe to face in your first hours with the game.

From Software / Namco Bandai Games

This encounter is likely the first major boss you'll face in Elden Ring and they will certainly put you through your paces. The battle against Margit is, above all, a test of your dodging, attack skills and patience during a fight. Despite its size, Margit is highly mobile and can easily close the distance to land some hits on you if you aren't careful. The boss primarily uses their staff as a close-range weapon, striking with three-hit combo attacks and a harder two-handed blow that can drop your stamina fast if you try to block it. Margit will throw magic daggers at a distance at a range, and it's best to avoid them by dodging.

The best way to strike Margit is to hit them once they've finished performing their attacks. By looking at their attack patterns, you can have a window of opportunity to hit them with quick strikes. It's always better to stick and move rather than lay into them with a series of long combos. Go for brief 2-3 hits and then move away to avoid their follow-up attacks. And unless you have decent strength and endurance for your character, it's always better to roll out of the way of its attacks. Though if you have a shield with parry sub-ability -- and you're willing to take a risk -- you can stun Margit with a well-timed parry. However, if you miss the timing, you leave yourself open to a devastating attack.

Once you clear half its health, Margit enters a second phase where they'll pull out a massive hammer. While their patterns are still similar, Margit's extra aggression makes for a more tense fight. The best thing to do is stay composed and look at their patterns to find an opening. And always stick with dodging as opposed to blocking. If you try to block their hammer, you will lose your stamina and open yourself up for attack. Remember to stick and move, and keep your attacks brief when fighting Margit, and you will eventually defeat them.

If you're still struggling, another option to make the fight slightly easier: Visit the Murkerwater Cave dungeon, north of the Dragon Burnt Ruins. Inside the case, you'll encounter a boss named Patches, a recurring character from previous FromSoftware games. If you spare his life after he yields in combat, he will open up his inventory for purchase. One item he sells is Margit's Shackle, which will stun the boss during its first phase only, allowing you to go in for a series of strikes. This is a great way to overcome Margit if you need extra help with the fight

Godrick The Grafted

vlcsnap-2022-02-24-13h47m12s646.png

The battle against Godrick will be a real test of patience and resolve. It'd be best to bring in some back up for him.

FromSoftware / Namco Bandai Games

If you make it through Stormveil Castle, then you've already picked up skills and tactics when it comes to overcoming foes. However, the battle with Godrick is, by far, the biggest hurdle you'll need to overcome. As the first demi-god you'll fight, this fallen ruler of Stormveil Castle will pull out all the stops to take you out. Much like Margit, Godrick is speedy despite his size. But unlike Margit, Godrick has a larger arsenal of weapons and skills to use.

Before this fight, one thing you can do to make it easier is to summon an AI character. Nepheli, a traveling warrior, is someone you'll first meet in the Roundtable Hold, and you can find her again in Stormveil Castle near Godrick's location. If you speak with her, she will help you during the battle. Just outside the door to Godrick, you can see her summon sign. It's recommended you call in an assist in this fight, as having a backup will be a big help.

Like the previous fight, you'll need to watch Godrick's patterns to avoid their strikes. One attack to watch out for is a 360-degree wind attack that will encompass the immediate area of Godrick, damaging you and other allies if you stay close. It's important to watch for his tells and avoid his attacks once he gets them ready. It would be best to try to be more aggressive in this battle. Godrick has a lot of health, so playing it safe too long can exhaust you and resources, leading to a sudden defeat. Still, don't be greedy with your attacks.

During his 2nd phase, he'll take a more desperate tactic and graft the head of a dragon onto his arm and use it to attack you. This upgrade for him not only adds a new melee attack to his arsenal, but he can also use his new arm for breathing fire on you, which does considerable damage if you get hit. During this phase, the best thing to do is to keep a medium distance away from him, avoid his area of effect attacks, and then run to his blind spots when he pulls out the dragon head to breathe fire. The flames will only go in front of him, so running up to his side or behind him will protect you while also leaving him vulnerable for extended periods.

One of the important lessons this fight will impact is the importance of placement and position in a fight. Along with being a narrow bridge, the area also has a set of stairs on both sides. The elevation change can prove to be an advantage, as some of Godrick's attacks can miss you entirely if you get the high ground above him or below him. If you can be mindful of his attacks while also keeping your positional advantage, then you will be able to overcome Godrick with patience and a steady rhythm of attacks.

Red Wolf of Radagon

redwolf.png

The battle with Red Wolf of Radagon will test if you can handle a foe adept at magic and close ranged combat.

FromSoftware / Namco Bandai Games

The battle with Red Wolf can be tough, due to how aggressive it is with close-range attacks and its set of long-range magic attacks. Like other major bosses, the Red Wolf is highly mobile, and uses that to its advantage with its attacks. Its deadliest attacks, by far, are the magic missiles, which are homing attacks that will tear right through your defenses and health. The Red Wolf also has a regular habit of priming up its magic spells and then using melee attacks to close the distance, adding further pressure on you. It can be tough to manage, and you'll likely face a quick death during your first attempts.

Thankfully, the Red Wolf doesn't have a second phase, so you'll see most of its patterns and tricks during the first couple minutes of the fight. The important thing to figure out is that the Red Wolf is very aggressive. Yet, that aggression can be used against it. Once it finishes attacking, it will leave itself vulnerable to counterattacks. Given the frequency of its attacks, you'll have plenty of opportunities to go in for quick hits -- provided you dodge its attacks without fail. Don't bother chasing after it; keep your distance and let it come to you. Once it has finished its attacks, strike it and back away. Keep this up for the remainder of the battle, and you will eventually come out on top.

Rennala, Queen of the Full Moon

renalla.png

Rennala is an incredibly powerful magic user, and can easily vaporize your character with her spells.

FromSoftware / Namco Bandai Games

The two-phased fight against magic-wielding Rennala is a bizarre one, but it's still a challenging fight. Unlike other bosses, Rennala likes to keep her distance, use spells, and summon monsters to tear through you. She'll start off with having her academy students fight for her, but once the battle continues, she'll take matters into her own hands -- and that's where things can quickly go south.

The first phase taking place in the library is a strange one. As you can see in the center of the room, Rennala is suspended in the air and it's impossible to reach her. The only way to bring her down is to find three different glowing gold students. They're hidden in the library, so you'll have to run through the area to search for them. Once you destroy three students, Rennala will fall to the ground in the center of the room, opening her up for attack. She won't stay down for long, though. Once enough damage has been done, she'll come back up, forcing you to repeat the previous steps. The biggest dangers in this phase of the fight is the magic that sends furniture hurling towards you, along with some devastating spells that will turn Renalla's students into missiles. The best thing to do is dodge through these attacks while searching for glowing students. After you deal enough damage, Renalla will then get serious.

This second phase is where the fight gets more dangerous. Rennala is an adept mage, and she'll keep her distance away from you while she sends out devastating magic attacks. Many of her spells are homing, which means you'll need to be extra careful when dodging and running towards to close the distance. Also, she'll call in help from her plethora of summoned monsters, many of which are common foes you've fought through the game thus far. These additional enemies are ultimately a distraction. If you focus too much on them, Renalla will snipe at you with her spells, spelling a quick defeat. If you die during this phase, you'll have to repeat the first one again.

The best way to defeat Renalla is to take note from previous bosses and be aggressive. While Renalla has some spells that push you away, she is very weak at close range and easily staggered with attacks. If you are a spellcaster, the best thing to do is to dodge her spells and then cast your own in quick succession. The key to winning this fight is to not hesitate and land your attacks when you see a window of opportunity. If you can keep it up, then you'll defeat Renalla in no time.

Godfrey, First Elden Lord

godfrey

Roll forwards, not backwards!

From Software

Godfrey is the first required boss in Leyndell. He's a big golden brute with a giant axe. Luckily, his attacks, while powerful, are somewhat typical for a boss. 

A good way to start off the fight is with a summon. If you haven't yet, visit the Fringefolk Hero's Grave, which is at the very start of the game behind a fog wall. Complete the dungeon and you'll receive Banished Knight Oleg who is a more powerful summon that can take quite a few hits from bosses. 

As for strategy, the key to his Godfrey fight is to roll forwards, not backwards. Godfrey makes use of his giant axe to reach you as you roll back. If you see him winding up, it's like he's getting ready for a long-reaching attack which is when you want to roll forward. He'll also use this attack when you're backpedaling while trying to heal. 

If there's an attack you want to be aware of it's his stomp. It comes out quickly and will stun just enough to combo into an axe swing if you don't move. If you see a stomp coming, try to use a shield to block the attack instead of rolling away since it can still catch you. 

You'll want to attack when you roll forward into those long axe attacks and when you roll away from his jumping pound attack. In both cases, he takes an extra couple of seconds to reset himself leaving him open to attacks. 

Morgott, The Omen King

If Margit gave you nightmares, Morgott is going to haunt you while you're awake. The Omen King is going to be the toughest challenge you've faced so far unless you have gained a substantial number of levels. Even then, this is far from an easy fight. 

The good news is that you have an orange summon available right outside the golden fog: Melina. If you don't see her symbol, use a Furlcalling Finger Remedy to reveal it. She's going to be vital for the fight as she can heal you while also dealing and taking damage. You'll also be able to use one of your own ash summons, but it's best to save that for the second phase.  

What's important in this battle is speed. Do not attempt long combos against Morgott. Their attacks are so quick, can do multiple hits and will be delayed in order to throw your timing off. What you want is to get in, do a quick jumping attack and run away. This is where having Melina helps because as soon as she becomes targeted, you can get a few more hits in as well as a jumping attack. 

In this fight, rolling back is more ideal as Morgott doesn't have long reaching attacks. If you're far away, they can throw some daggers or a lance that can be easily blocked or dodge. If you see swords floating above, that's a big area-of-effect attack and you want to roll back and avoid any areas where they land. 

Phase 2 starts when Morgott's health gets about halfway. They'll lean over and start coughing. This is your sign to run away because a big blast is about to happen. If you're clear, it's time to for an ash summon in order to get another target for Morgott. 

In the second phase, Morgott does the same attacks, but whenever an attack is missed, a puddle of liquid will be left that will erupt a few seconds after so make sure to avoid them. Aside from that, keep the same strategy of jumping in for quick attacks and then getting out of range. Keep this up and Morgott will go down.

Starscourge Radahn

radhan

The battle with Radahn is one of Elden Ring's most bizarre and epic boss fights. Come in prepared.

FromSoftware / Bandai Namco Games

While not required to complete the main story, this battle against Starscoruge Radahn is one of Elden Ring's most epic boss encounters, and it's one you'll likely find yourself walking into unintentionally. Located just off from Redmane Castle in the Caelid region, the battle with Radahn will see you face off against a towering foe who wields a ludicrous amount of power. Along with that, you'll call in many support characters to help you in battle. It's truly a one-of-a-kind fight, but it's also quite unforgiving. One wrong move against Radahn can result in a quick and brutal defeat.

What makes this battle so difficult is that is Radahn's attack power and range are so high that he can easily kill you within seconds of the fight beginning. He wields a magic-infused bow and twin great swords that can tear through your defenses. Right at the beginning, you'll need to close the distance on Radahn while also taking the time to summon allies to the fight. During this part of the fight, he'll try to pick you off with his arrows, and they deal considerable damage. You'll need to stick with cover, using the piles of old weapons as a shield, and close the distance to Radahn. You'll need to jump on Torrent and begin your attack from here.

This battle has two phases, and you'll need to pick your moments to attack Radahn and make a quick exit to avoid his strikes. For more of a detailed breakdown of the battle against Radahn, check out deeper guide that details the fight and the best strategies you'll need to beat him.


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6 Tips To Use If You Want To Fall Asleep Faster


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6 Tips to Use if You Want to Fall Asleep Faster


6 Tips to Use if You Want to Fall Asleep Faster

How did you sleep last night? The question typically goes one of two ways -- well enough or terrible. On nights when you can't seem to fall asleep, you'll do just about anything to make it happen. And sometimes, counting sheep doesn't cut it. Use these six tips to fall asleep easier each night. 

1. Use breathing techniques 

CNET Sleep Tips logo

Don't worry if you don't fall asleep immediately when you slip between the sheets. For most people, it takes 15 to 20 minutes to fall asleep. Breathing techniques are an effective way to relieve stress and relax. Some methods -- like 4-7-8 breathing -- are specifically designed to help you sleep better

There are also guided meditation apps designed to help you sleep. Popular apps like Calm and Headspace have guided meditations that can help you drift off to sleep. Calm has celebrity sleep stories that feature favorites like Harry Styles, Matthew McConaughey and Emma Thompson. 

2. Get out of bed

This one seems counterintuitive, but trust me. If you are awake after 20 minutes of trying to fall asleep, it's best to get out of bed. The last thing you want to do is associate your bed with scrolling through social media or watching TV. You want to save your bed for sleep.

Get out of bed and do something that relaxes you -- maybe that's light yoga or reading a book or listening to music. You want to avoid screens as much as possible. You shouldn't get back in bed until you are tired enough to fall asleep. 

3. Adjust the temperature of your bedroom

Research shows that the best temperature for sleep is between 60 and 67 degrees Fahrenheit. When your room is too warm, it can impact your body's natural thermoregulation process and keep you awake. 

If you are lying in bed and can't seem to fall asleep, check the temperature in your room. Then, don't jump right back in bed after you adjust the temperature. Let the room get cooler before you try to go back to sleep. 

4. Try a white noise machine

If you're easily distracted by sounds -- like road noises or a family member who is still awake, you may want to try a white noise machine. White noise machines help you sleep by replacing intrusive noises with consistent calming ones -- think babbling brooks and rain. You can also opt for true white noise, which encompasses all the frequencies the ear can hear. 

Man having a late night snack in front of an open refrigerator
Getty Images/domoyega

5. Be careful with the nighttime snack

When you can't fall asleep and get out of bed, it's easy to wander to the refrigerator and see what's inside. It's better to skip that late-night snack. However, if you need to eat, be careful what you choose. You want to avoid foods that are loaded with sugars or processed carbohydrates. 

Some foods contain melatonin and can help you sleep. These include milk, almonds and kiwis. As a rule, you want foods with slow-digesting proteins, like yogurt and peanut butter, or high-fiber carbs like whole grains, fruits and vegetables.

6. Consider a new mattress

Mattresses don't last forever . Typically, they have a lifespan of about seven to eight years. After that point, they stop giving you the comfort and support you need to get a good night's sleep. If you notice that you aren't getting quality sleep regularly, your mattress might be to blame. 

Key signs you need a new mattress

  • You have trouble falling asleep at night.
  • Your back hurts when you wake up. 
  • If your mattress is sagging or asymmetrical. Look for lumps of impressions of where you sleep. 
  • Your mattress is loud -- it groans and pops when you toss and turn. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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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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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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