# 如何在美国申请信用卡？

**拿到SSN后，就可以开始准备申请信用卡啦。信用体系在美国还是非常重要的。一般来说，第一张信用卡可以考虑Discover，没有年费，也很容易申请，每个季度都会有特定类别的5%返现。当然还有一些别的银行及信用卡都是可以考虑的，如Chase Freedom，Bank of America(BOA)，American Express(Amex)等。合理规划消费，不要盲目刷卡，建议设置好自动还款，避免欠费。**


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