Maria Adams, Credit Cards Moderator
@m_adams
The kind of credit card that is good for beginners is either an unsecured or a secured card with annual fees as low as $0 and high approval odds. It’s worth noting that some of the best credit cards for beginners even offer rewards.
The card you’re going to pick should also report monthly to the major credit bureaus so that you can build your credit.
Best Credit Cards for Beginners in 2025
- Capital One Platinum Credit Card: Best card Overall
- Petal® 2 Visa® Credit Card: Best card for Rewards & No Annual Fee
- Capital One QuicksilverOne Cash Rewards Credit Card: Best card for Cash Back
- opensky® Secured Visa® Credit Card: Best card for No Credit Check
- Capital One Savor Student Cash Rewards Credit Card: Best card for For Students
You can also take a look at our editors’ latest picks for the best starter credit cards on the market to see which one suits your needs better.
Ultimately, please note that as long as you remember to pay your bill on time and in full every month, you will be able to gradually build credit. And within a few years, you could qualify for one of the market’s best overall credit cards.
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People also ask
Where should I get my first credit card?
You should get your first credit card from a reputable bank or credit union that offers credit cards intended for people with limited or no credit experience, such as Capital One. For example, the Capital One Platinum Credit Card (see details, rates & fees) is one of the best first credit card options. It has a $0 annual fee, is fairly easy to get, and reports to all three major credit bureaus, helping cardholders build credit when they use their card responsibly.
Best First Credit...
read full answer by Theresa Chalfant, WriterHow do I choose a credit card for the first time?
To choose a credit card for the first time, you should first decide what will you use it for. You should also check your credit score and weigh your current financial situation. This is to assess whether you can make monthly payments on time and in full. If you’re planning on carrying a balance, make sure you understand things such as minimum payments and interest rates.
Above all, be realistic in your expectations. Your first credit card...
read full answer by Paddy Sullivan, WalletHub Credit Card AnalystHow do I get a credit card for the first time?
To get a credit card for the first time, you must be at least 18 years old and have enough income to afford monthly credit card payments, in addition to your other expenses. The minimum payments on a starter credit card usually are around $15 per month.
The two basic steps involved in getting a credit card for the first time are to: 1) compare credit card offers designed specifically for people with limited or no...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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