One can easily earn half a million points a year just
by signing up for credit cards, and literally pay only a couple of hundred dollars at most in annual fees.
For applicants with no or limited credit histories, a critical part
of signing up for a credit card will be carefully selecting a card that is designed for credit - builders or students.
Some student credit cards offer students an introductory interest rate of 5 % or less in order to entice them
into signing up for the credit card and using it for general purchases.
However, today you can
sign up for credit cards with no annual fee that will give you cash back rewards — even if you are someone with bad credit.