John Miller, Credit Cards Moderator
@john_miller
One of the best credit cards for a 28-year-old is the Wells Fargo Active Cash® Card. That’s because the card offers 2% cash rewards on purchases and has a $0 annual fee. On top of that, it comes with an intro APR of 0% for 12 months from account opening for purchases and qualifying balance transfers, followed by a regular rate of 18.74%, 24.74%, or 28.74% Variable. Just note that there’s a transfer fee of 3% intro for 120 days from account opening, then up to 5% (min $5). You can qualify for this card if you have good credit or better.
However, if your credit score isn’t quite there yet, there are still some solid options for 28-year-olds with fair credit, like the Upgrade Cash Rewards Visa®. This card offers 1.5% cash back on purchases and has a $0 annual fee. New cardholders can also earn a bonus by opening an Upgrade Rewards Checking Preferred account and making a few debit card purchases.
Some of the Best Credit Cards for a 28-Year-Old
- Rates & Fees Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees Cash Back: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Cash Back: Upgrade Cash Rewards Visa®Learn MoreLearn More
- On-Time Payment Bonus: Petal® 2 Visa® Credit CardLearn MoreLearn More
- On-Time Payment Bonus: Petal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
- On-Time Payment Bonus: Petal® 2 Visa® Credit CardLearn MoreLearn More
- Rates & Fees Bad Credit: OneMain Financial BrightWay® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Bad Credit: OneMain Financial BrightWay® CardLearn MoreLearn Moreon issuer's website
- Bad Credit: OneMain Financial BrightWay® CardLearn MoreLearn More
- Rates & Fees Travel: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Travel: Capital One Venture Rewards Credit CardLearn MoreLearn More
- Best Overall:
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To see more options that might be a good fit for a 28-year-old, check out our editors’ picks for the best credit cards, as well as the best credit cards for young adults.
2025's Best Credit Cards for Young Adults
Popular Credit Cards for Young Adults from Our Partners
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Cash Back
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Students
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Good Credit
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Young Professionals
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