How to Choose Your First Credit Card for Fresh Graduates?

A good credit card may help you save more at other dining, utilities and shopping bills. Seeing all credit cards have different features, how do you know which is best for you? For starters or fresh grads with limited salary, a good credit card for food lovers must come up with practical, redeemable benefits and the potential to save a large number of cardholders.

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Here are the characteristics that you need to know to choose the best credit card:

Food discount

It is one of the most ordinary promos but it is also one of the best rewards. You will have immediate access to lower prices and totally can save your money. While others pay the full price, you see better value for the money you spend. Aside from casual discounts, the cards may offer long-term restaurants and dining options for certain dining and hotels.

One-for-one offer (1-for-1)

If you like to eat with your peers, make sure you check the same with your credit card offering a choice of one-to-one dishes. This type of offer is truly valuable, just like food discounts since you will enjoy immediate redemption. However, don’t expect a one-for-one discount offered by the same restaurant for the long term, as this type of promo will change from time to time.

Free discount

See if there are rewards for credit cards offering consistent, free meals and not just casual promotional offers. For example, under some reward program, cardholders can enjoy special offers at the end of the week, every weekend from cafes and taverns that take part.

Eat outside the country

If you are a ‘foodie’ outside the country, enjoy a credit card that has the privilege of extending food out of the country and even better if it offers additional points or cash back. Look for credit cards that offer promos for food and drinks, hotel meals and general offers that are used for all eating places and not only restaurants that participate only.

Rebate cash back

Check if your credit card offers a high cash back counter for food so you can get money back when you shop at restaurants and cafes. Also see if they offer more cash back on weekends, especially if you want a big meal on Friday, Saturday and Sunday. Cash back is often rewards every month.


In conclusion, before you get your first credit card, you need to make a little study. Visit the webpage of bank such as that offers credit cards and diligently asks about the experience of those who have used it.