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 2023
- Capital One Platinum Credit Card: Overall
- Petal® 2 Visa® Credit Card: Rewards & No Annual Fee
- Capital One QuicksilverOne Cash Rewards Credit Card: Cash Back
- OpenSky® Secured Visa® Credit Card: No Credit Check
- Capital One SavorOne Student Cash Rewards Credit Card: 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.
People also ask
How 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 answerHow do I get a credit card for the first time?
To get a credit card for the first time, you should first check if you have any credit history, then compare cards and pick the best offer before applying. In order to be eligible to apply for your first credit card, you must be at least 18 years old and have enough income to afford monthly credit card payments. Below, you can learn more about the process of picking, applying for and getting your first...
read full answerHow do I get a credit card with no credit?
To get a credit card with no credit, apply online for a starter credit card, student credit card, or other type of credit card for people with limited credit history. By choosing a card designed for people with no credit, newcomers who are at least 18 years old with enough income to afford monthly bill payments will have good approval odds. You don’t need a credit history to get credit. But you do need to demonstrate the ability to repay future balances.
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