Best Cashback Credit Card with Min Spend 2022
When you’re just starting out and looking for a credit card, it can be hard to know which one is the best for you. There are so many different cards available, each with their own advantages and disadvantages, so it’s important to take the time to consider all your options and find the one that’s right for you.
The first thing to consider when choosing a credit card is your credit score. This is a key factor in determining which cards you’ll be eligible for. Generally, those with higher credit scores will have more options available to them. If you’re just starting out and don’t have a particularly good credit score, you may want to consider a secured card, which requires a deposit before it can be used.
It’s also important to consider the fees associated with a credit card. Look out for annual fees, foreign transaction fees and late payment fees. Some cards may also offer additional benefits such as cash back or rewards points. Be sure to read the terms and conditions carefully to make sure you understand all the associated costs and benefits.
Another important factor to consider is the credit limit. This is the maximum amount of money you can borrow on your card. Some cards may offer higher credit limits, but it’s important to be realistic about how much you can afford to borrow and pay back each month.
Finally, consider the customer service offered by the credit card issuer. Look for companies with a good reputation for customer service and make sure that you feel comfortable dealing with them.
These are just a few of the things to consider when choosing a credit card. Ultimately, it’s important to do your research and find the card that best suits your needs.
Key Points:
-Consider your credit score when choosing a credit card
-Look out for fees associated with the card
-Be realistic about the credit limit you can afford
-Make sure the credit card issuer has good customer service
People Also Ask Questions:
Q: What is the best credit card for beginners?
A: The best credit card for beginners will depend on your individual circumstances and needs. It’s important to do your research and find the card that best suits your needs.
Q: What is a secured credit card?
A: A secured credit card is a type of credit card that requires a deposit before it can be used. This deposit is used as collateral and helps to protect the card issuer from any losses due to unpaid debt.
Q: What is a good credit limit for a beginner?
A: The best credit limit for a beginner will depend on your individual circumstances and needs. Generally, it’s best to start with a lower credit limit and then increase it as you build your credit score.
Which credit card is good for beginners? – Whats The Best?
DBS Live Fresh https://bit.ly/DBS-Live-Fresh
UOB EVOL https://bit.ly/HM-EVOL
HSBC VISA Platinum https://bit.ly/sgplatinum
Revolut SG (20% Bus/MRT Cashback) https://bit.ly/revolutfeb60
Shopback $5 https://bit.ly/hmsgshopback
MooMoo Brokers (Free AAPL Stock) https://bit.ly/sgmoomoo
Tiger Brokers SG Code HONEYMONEY (Free AAPL stock): https://bit.ly/sgtigerbrokers
Credit Cards Affiliate Links (Singsaver gifts) https://bit.ly/CreditCard-Signup
Endowus RoboAdvisor (FREE $20) https://bit.ly/endowussg
Tiger Brokers International Code HMONEYSG: https://bit.ly/ustigerbrokers
Interactive Brokers: https://bit.ly/sgintbrokers
POEMS Cash Plus by Phillip Securities: https://bit.ly/HoneyMoney-POEMS
MoneyOwl RoboAdvisor Code: 8JPW-62FZ (FREE GrabFood$) https://bit.ly/sgmoneyowl
Syfe Trade & Robo: Use code HONEYMONEY @ https://www.syfe.com/
Hodlnaut Crypto Interest (Free $30): https://bit.ly/sghodlnaut
Celsius Crypto Interest (Free $50) CODE 1556248258 https://bit.ly/sgcelsius
Crypto.com Exchange & VISA (Free $25 CRO): https://bit.ly/cryptodc CODE: honeymoney
Gemini Crypto Exchange (Free $10): https://bit.ly/sggemini
FTX Crypto Exchange (5% Off Fees): https://bit.ly/sgftx
FTX Blockfolio (Free Crypto): https://bit.ly/sgblockfolio
Dash PET 1.5% interest: https://bit.ly/sgdash CODE DASH-RXQ45
iPayMy https://bit.ly/sgipaymy
CapitaStar App https://bit.ly/sgcapitastar
SIA Kris+ App Code: C647172 https://bit.ly/sgkrisplus
If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!
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Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg
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DBS Live Fresh https://bit.ly/DBS-Live-Fresh
– Min Spend $600
– 5% Cashback on Contactless & Online, capped at $20 each category
– 5% additional Green Cashback (Public Transport and Green merchants)
– Additional Spend bonus campaigns e.g. Spend $1600, get $128
– Sign up bonus up to $300
UOB EVOL https://bit.ly/HM-EVOL
– Min Spend $600
– 6.7% Effective cashback on Contactless & Online, capped at $20 each category
– Sign up bonus hard to get, need to time the first calendar day 12am
HSBC VISA Platinum https://bit.ly/sgplatinum
+ 5% cashback on local dining and groceries (including online groceries)
+ Up to 16% discount plus 5% cashback on petrol spending at Caltex and Shell
– Min. spending of S$600 per month, for all 3 months in a quarter, required to earn bonus cashback
– Cashback capped at S$250 per quarter
– Cash rebates are credited quarterly instead of monthly
OCBC Frank & Citi SMRT in my Credit Card playlist
https://www.youtube.com/watch?v=saqSEuA-usw&list=PLY9HGoedVpsNRmZ0MvyOZWUy6qKSP0MK_&ab_channel=Chris%40HoneyMoneySG
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