Ryan P Page, Staff Writer
@ryan_page
The best entry-level credit card is the Petal® 2 Visa® Credit Card card because it accepts people with limited credit, offers 1 - 1.5% cash back on purchases, and has a $0 annual fee. The Petal 2 Card also reports account information to the major credit bureaus monthly, helping you build credit over time.
Best Entry-Level Credit Cards in 2025
While there are many types of credit cards, entry-level credit cards generally come in three main varieties: secured, unsecured, and student credit cards. Each type of credit card offers unique benefits for people looking to build credit. For example, the best options typically have $0 annual fees, and some even offer rewards.
Regardless of which type of card you choose, the main thing to remember when selecting an entry-level credit card is to keep your costs low. A credit card with low or no fees will be easier to afford, and paying your starter credit card’s bills on time is the key to building credit. Paying in full every month will help you avoid interest charges, too.
Victoria Price, Member
@vic_price
I started with Capital One Platinum, and it worked well for me. 800+ credit score now!
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You could have a credit score if you’ve never had a credit card as it depends on whether any other types of information have been reported to the major credit bureaus in your name. Credit scores are based on the contents of your credit reports, and details about credit card accounts aren’t the only type of information that can show up on a credit report. Having bills in your name, taking out loans, or being...
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