Starter credit cards are credit cards for a person that does not have any credit.  If you have recently graduated high school or college you probably don’t have a lot of credit if any; most of the time these cards are offered for very specific requirements.  In order to establish credit you have to be able to get credit.  A mortgage or loan company is not going to consider your student loans adequate credit if you have any.  While you may have been paying a monthly repayment to the student loan company and that is reported to the credit bureaus credit cards and other companies look for something that is not co- signed or offered as non revolving credit.  You may think you have credit and great credit scores, but unless you have had a car loan, mortgage, or a few credit cards you really have not begun to establish credit.  This is why the starter credit cards exist.  The credit card companies are willing to offer you revolving credit, but they are not going to offer a high limit on the card nor will they offer the best terms of the card.  Below are a few credit card options for starter credit cards.

First Premier tends to offer easy credit or starter credit cards more often than other companies.  They do not offer an introductory option such as zero percent interest for three months.  They also do not offer balance transfers.  In order to get a card with them you will need to pay an annual fee.  This annual fee is usually 48 dollars.  The good news is when you pay an annual fee you could qualify for 9.9% interest or APR as a starter credit card.  This is a pretty low rate compared to other cards.  They do offer a 5% credit on all payments for 12 months.  To decide is First Premier is right for you look up the complete list of terms and conditions.  This will help you determine if there are any fees not mentioned on the compare list.

Orchard also has a start credit card.  This type of card offers zero percent interest for the first six months, they offer an APR of 14.9% or higher depending on your credit.  For no credit it may be a little higher.  The annual fee can be zero to 79 dollars again based on their terms for starter credit cards and your risk.  They do allow balance transfers. 

If you haven’t gotten it by now, you should realize that there are hundreds of start credit cards and the companies reserve the right to state the actual APR you will be charged.  The annual fees will also change.  They could offer no annual fee or more than a hundred.  It depends on the bank and if you have any credit at all.  While student loans are not counted in the grand scheme they do help to get a slightly better card than having a completely clean report or worse bad credit.