Every new year is full of unlimited possibilities. And there is no better time than now to start planning things out for the foreseeable future. If you’re in the market for the perfect credit card for first-time cardholders, look no further. We narrowed down the list to five cards.They all come with low-interest rates and features fit for beginners that can help you build a solid credit score.

Used wisely, these credit cards will help first-timers manage your finances, and aid in your plans for 2018 and beyond.1. There’s nothing quite like owning a credit card with no late charges, and with no over-limit fees. Citi promos and privileges. Apply online now and get FREE Fitbit Flex 2, New Balance shoes, and sunglasses from Oakley or Rayban worth P6000.2. 1 Rewards PointAside from having one of the lowest interest rates in the market, the AUB Easy MasterCard is packed with some of the best starter credit card features there are.

You’ll get to choose how often you want to pay in a month and what is your ideal payment date. You can choose to pay weekly, twice a month, or once a month. Never miss your due date again by choosing a payment date that works best for you.Not only that but, if you pay on time you’re rewarded with the zero-interest rate for new purchases. Also, your every P20 purchase is also converted to one (1) rewards point you can exchange for airline tickets, shopping and dining gift certificates, travel vouchers, and even cash rebates.

1 Rewards PointFinancial flexibility and accelerated rewards make up the starter credit card package of the Bank of Commerce Classic MasterCard. 1 Bonus Point Credit card first-timers planning to travel the world would do great with an HSBC Red MasterCard. It offers 4x Bonus Point for local shopping and dining card charges, and for online and international transactions, too. Exclusive privileges are also available in over 27000 establishments worldwide.This is all provided with waived annual membership for the first year.

Kristel Serran Kristel is eCompareMo's go-to gal for all things banking, personal finance, and travel. She also does acting for indie films on the side, which explains why you see a lot of her in our videos. Subscribe We value privacy and never share your details. Metrobank Credit Card ApplicationHow can i check the status of my credit card application in BDO, Gilas Pilipinas is Back! Every new year is full of unlimited possibilities.

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You redeem IHG Rewards points for all-inclusive hotels in Mexico and Jamaica, in the world’s biggest cities, and even in far-flung destinations like Bora Bora and the Maldives. The IHG Rewards Club Select Credit Card offers one of the easiest ways to rack up hotel points in this program in a hurry. 1,000 in purchases within three months of account opening. You also get a free night at any IHG hotel worldwide each year on your cardmember anniversary. 49 annual fee, but it’s waived the first year.

4,000 on purchases in the first three months from account opening. 625 in travel when you redeem through Chase Ultimate Rewards. Plus, earn 5,000 bonus points when you add an authorized user and they make a purchase in the first three months. If you’re trying to decide on a hotel chain to commit to and earn elite status with, check out our in-depth analysis of The Best Hotel Loyalty Programs in the World.

On the other hand, if you don’t want to commit to one hotel chain, a card that earns transferable points, such as the Chase Sapphire Preferred, could be the best pick for you. It earns Ultimate Rewards points, which you can move over to Hyatt, IHG, Marriott and Ritz-Carlton to redeem toward award stays, so you have plenty of options.

You’ll also 2 points per dollar on the card for a wide range of travel purchases and dining purchases, which equals a 4.2% return based on TPG’s valuations. Finally, the Chase Sapphire Preferred Card also offers a wide range of travel protection benefits and primary car rental insurance, which can save the day when you’re traveling.