Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The best credit cards for 20-year-olds depend on whether you've already built any credit and whether you're still in school. If you have limited credit history, you'll want to get a starter card, like the Capital One QuicksilverOne Cash Rewards Credit Card. If you're still a student, you could get a better deal with the Bank of America® Customized Cash Rewards Credit Card for Students.
But if you're no stranger to credit and you've already built up at least good credit, you can start setting your sights on more lucrative rewards cards, such as Chase Freedom Unlimited®.
Here are some of the best credit cards for 20-year-olds:
Most of these cards are for people who just started their credit journey. If you have bad credit, though, it’s definitely worth checking out the best secured credit cards available right now.
On the other hand, those with good credit or better will have access to the best credit cards on the market. Students are a special category, as the best credit cards for students tend to offer better deals than credit cards aimed at other consumers with similar credit scores.
2023's Best Credit Cards for Young Adults
Moon Grey, Member
@moon_grey
The Chase Freedom Unlimited is a good card. You earn 1.5% cash back on all purchases, a $150 bonus when you spend $500 in the first 3 months from account opening, and it has a 0% interest rate for the first 15 months.
Anthony Horton, Member
@anthony_horton
If you're just starting out, it'll be a secured card. Discover it secured is a good choice.
People also ask
Did we answer your question?