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TD Cash Credit Card
The TD Cash credit card is a no-frills card that offers excellent cash back rewards rates for dining out and grocery stores.
I'm passionate about helping others gain control of their finances and live the life they want to live, which is why I focus on creating engaging, informative content that rises above the noise to help readers make better decisions about the credit cards they choose.
— Re'Dreyona Walker
Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on credit card product guides and reviews. As a personal finance expert, she is dedicated to providing honest, in-depth advice on topics such as balance transfer cards, credit card debt and credit card fees to assist readers in managing their credit. She is also knowledgeable about cash back, points and miles rewards, which enables her to help readers find the best credit cards for their needs.
Before joining CreditCards.com and Bankrate in January 2022, Re’Dreyona began writing and editing in the personal finance space for digital marketing company Three Ships, where she wrote automotive content covering various finance-related topics like insurance, warranties, and shipping for various online publications such as Motor1, The Detroit Bureau, Automoblog and more.
When she isn’t sifting through Bankrate articles, Re'Dreyona spends her free time reading new books, watching historical fiction shows and movies, and visiting museums, bookshops, and restaurants. She also enjoys spending time with family and friends, traveling, and tending to her growing collection of plants and art pieces.
Building credit as a young Gen Zer like myself isn't as easy as it sounds. Depending on your circumstances, it could be easy to get a credit card, but it's not so easy to keep it in good standing. A few tips I’ve learned for building your credit while you're still learning the ropes are to not apply for too many cards at once. Apply for one or two — and only one major credit card at first. If you qualify for more than one, apply for them after you've had that first card for several months.
Use your credit card responsibly by paying off your balance every month, and try not to carry a balance over from month to month. It’s best to not use more than 30 percent of your available credit limit. Keep an eye on your credit score by checking it once a year at least to see where you could improve. And lastly, choose wisely, as it’s important to do your research before settling with your first credit card.
I'm passionate about helping others gain control of their finances and live the life they want to live, which is why I focus on creating engaging, informative content that rises above the noise to help readers make better decisions about the credit cards they choose.
— Re'Dreyona Walker
The TD Cash credit card is a no-frills card that offers excellent cash back rewards rates for dining out and grocery stores.
For those in the market for a credit-building card, the First Access Visa Credit Card is a possible option, but it comes with lots of fees.
Enjoy flat-rate cash back rewards, no annual fee and expanded buying power.
Expedia Rewards Voyager card from Citi lets you earn big on Expedia.com purchases, making it a great deal for frequent travelers.
The card may not offer the most benefits, but it features solid flat rate cash back of 1.5 percent and no annual fes, making it a wise choice for students looking to build credit.
A good starter card for those with little to no credit. However, starter cards with more lucrative rewards and deeper benefits exist.
This cash back card is ideal for users seeking to do a lot of spending that isn’t specific to certain rewards categories.
One of the only debit cards that gives you a chance to build credit, the Zolve Azpire card can be a great option if you’d rather avoid traditional credit card fees and interest.
Each bottle of seasoning sold supports a non-profit Veteran organization.
The Capital on Tap Business card could be a great fit for small-business owners who need a lot of purchasing power and want to streamline earning rewards.