Best first credit cards



Navigating the world of credit cards for beginners can feel overwhelming, but finding the right one is essential for establishing a solid financial foundation. CardRatings’ editors have compiled a selection of the best credit cards for beginners, designed to simplify this process. These options offer a range of benefits, from cash back rewards to introductory 0% APR periods, and importantly, provide opportunities to build credit responsibly.

Whether you’re a young adult taking your first steps towards financial independence or someone seeking to enhance their existing credit profile, understanding the nuances of credit cards is crucial. Utilizing the best first credit cards effectively is a powerful way to build a positive credit history, which can lead to favorable interest rates and improved approval odds for significant future purchases. Conversely, mismanaging credit or choosing an unsuitable card can lead to debt and damage your credit score. Therefore, careful consideration and responsible usage are paramount for beginners embarking on their credit-building journey.

Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships. Compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more

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CardRatings’ top picks for the best first credit cards

Embarking on your credit journey can be exciting, but choosing the right card is crucial. To help you navigate this process, we’ve compiled a list of the best credit cards for beginners. These cards are specifically designed to help you build a solid credit foundation, offering features like cash-back rewards, introductory APR offers, and manageable credit limits. Whether you’re seeking your best first credit card or simply exploring credit cards for beginners, this list will help you make an informed decision and start building a positive credit history.

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credit_score_needed 1,3,4,5,6,7,10,11,26,27,30,31 BEST FOR CASH BACK
BEST FOR CASH BACK
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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This is a great credit card for beginners as it encourages responsible spending habits. Cardholders earn rewards when making a purchase, and then additional rewards once paying for that purchase, in full and on time. Citi is a CardRatings advertiser.

This is a great credit card for beginners as it encourages responsible spending habits. Cardholders earn rewards when making a purchase, and then additional rewards once paying for that purchase, in full and on time. Citi is a CardRatings advertiser.

PROS
  • For a no-annual-fee card, the rewards rate is lucrative - and not to mention, the rewards are super easy to earn.
  • The card encourages responsible payment habits and rewards cardholders nicely for making those payments on time. Building healthy financial habits is a gift that keeps on giving.
  • There's a nice cash-back welcome bonus opportunity available to new cardholders.
CONS
  • This card is also known for a really nice balance transfer offer, but if this is your first credit card, that offer won't mean much to you.
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credit_score_needed 1,2,4,5,10,11,13,14,16,27,29,30,31 BEST FOR TRAVEL REWARDS
BEST FOR TRAVEL REWARDS
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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This is a great option for those just dipping their toes into travel-credit-card waters. There's no annual fee, rewards are easy to earn and redeem, and the card doesn't charge foreign transaction fees so it's also great for anyone looking to travel abroad.

This is a great option for those just dipping their toes into travel-credit-card waters. There's no annual fee, rewards are easy to earn and redeem, and the card doesn't charge foreign transaction fees so it's also great for anyone looking to travel abroad.

PROS
  • Miles are earned on all purchases so this is a really easy card to rack up rewards with.
  • There's no annual fee - and no foreign transaction fees - so it's great for anyone wanting a low-cost way to get involved in the world of travel credit cards.
  • Miles can easily be redeemed to cover the cost of eligible travel purchases, or transferred to travel loyalty partners for potentially even more value.
CONS
  • If you're brand new to credit you may have a tough time getting approved for this card. Instead, it's designed for those who already have an established credit history. This isn't necessarily a first time credit card to build credit.
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credit_score_needed 3,4,5,6,10,11,13,27,30,31 BEST FOR EARNING WHERE YOU SPEND THE MOST
BEST FOR EARNING WHERE YOU SPEND THE MOST
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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This card is great because it automatically earns bonus cash back in your top eligible spend category each billing cycle. This means you don't have to put much thought into your rewards-earning strategy. Just spend in the categories you normally spend in anyway, and automatically get rewarded for it. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.

This card is great because it automatically earns bonus cash back in your top eligible spend category each billing cycle. This means you don't have to put much thought into your rewards-earning strategy. Just spend in the categories you normally spend in anyway, and automatically get rewarded for it. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.

PROS
  • This card offers a valuable intro APR opportunity so it's good for cardholders looking for some extra time to pay off purchases interest-free before the regular APR applies.
  • There's a nice welcome bonus opportunity for new cardholders, which is a nice way to start your relationship with the card.
  • No annual fees are always a nice perk of credit cards for beginners.
CONS
  • This card isn't ideal for those brand new to credit. It's best suited for individuals with an existing credit history, as approval can be challenging for those with limited or no credit.
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credit_score_needed 1,2,6,10,12,27 BEST FOR NO LATE FEES
BEST FOR NO LATE FEES
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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This is a great option for anyone who worries they might occasionally miss making a payment on time as this card does not charge late fees or a penalty rate on late payments.

This is a great option for anyone who worries they might occasionally miss making a payment on time as this card does not charge late fees or a penalty rate on late payments.

PROS
  • Late payments can cause a penalty rate increase, which can really hurt cardholders needing to carry a balance. With this card, however, that's not something you'll have to worry about.
  • Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
CONS
  • This card offers a lucrative balance transfer offer, but if this is your first credit card, that offer won't mean much to you.
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credit_score_needed 3,5,7,16,26,27,29,32 BEST FOR FAIR CREDIT
BEST FOR FAIR CREDIT
card_name card_name discontinued_disclaimer 
CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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Let's face it, not everyone has excellent credit, or even good credit, especially if they've never had a credit card. You have an excellent chance to be approved for this card with just fair credit. In addition, a simple, no-frills cash-back rewards program offers the opportunity to add to your bank account.

Let's face it, not everyone has excellent credit, or even good credit, especially if they've never had a credit card. You have an excellent chance to be approved for this card with just fair credit. In addition, a simple, no-frills cash-back rewards program offers the opportunity to add to your bank account.

PROS
  • The annual fee is reasonable, especially for a card that requires a fair credit score, which first time cardholders might be starting out with.
  • Capital One will automatically consider you for a higher credit limit in as little as six months.
CONS
  • Although reasonable, the AnnualFees annual fee should be considered. There are credit cards available for first-time cardholders that don't charge annual fees.
  • There's no welcome bonus with this card.
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credit_score_needed 3,7,8,11,16,26,27,32,33 BEST FOR STUDENTS
BEST FOR STUDENTS
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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This credit card is a smart choice for college students, providing bonus cash back on frequent expenses like gas and restaurant meals. You’ll also earn rewards on all other spending. These rewards can be saved to help with academic necessities like textbooks, or used for a bit of fun at the end of the term..

This credit card is a smart choice for college students, providing bonus cash back on frequent expenses like gas and restaurant meals. You’ll also earn rewards on all other spending. These rewards can be saved to help with academic necessities like textbooks, or used for a bit of fun at the end of the term..

PROS
  • You can pay the bill up until midnight on the day it's due.
  • Earn cash back on purchases you likely make quite often. 
  • Take this card on your next trip abroad – it doesn't charge foreign transaction fees.
CONS
  • Discover isn't as widely accepted as Visa and Mastercard, so that's something to consider.
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credit_score_needed 15,17,26,27,28,32,33 BEST FOR LIMITED OR BAD CREDIT
BEST FOR LIMITED OR BAD CREDIT
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CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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Combining a Credit Builder Account with a credit card can fast track your credit building journey (with responsible use, of course). In the case of Self, you can do it without paying a lot of fees or security deposits along the way. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.

Combining a Credit Builder Account with a credit card can fast track your credit building journey (with responsible use, of course). In the case of Self, you can do it without paying a lot of fees or security deposits along the way. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.

PROS
  • A secured card without a sky-high security deposit requirement is a rarity; this sets Self apart.
  • There's no hard credit check required to qualify.
  • Your credit report will reflect a Credit Builder Account, which can help move your credit score in the right direction more quickly than only carrying one of those accounts.
CONS
  • You'll want to try hard not to carry a balance as the ongoing APR rate (RegAPR) is fairly high.
  • This card doesn't offer rewards on purchases.
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credit_score_needed 3,7,11,15,16,17,27,33 BEST SECURED CARD
BEST SECURED CARD
card_name card_name discontinued_disclaimer 
CARDRATINGS EDITORIAL RATING Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers.
card_name Our editors rate credit cards objectively based on the features and fees each credit card offers. The ratings are the expert opinion of our editors and are not influenced by any compensation this site may receive from card issuers. Read our full review
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As a secured credit card, your credit limit is set based on you're deposit, protecting you from falling into debt. However, unlike some secured credit cards, this card also offers a nifty first-year bonus and the opportunity to earn rewards. Cardholders also have access to numerous online credit management tools, providing additional means to help repair damaged credit or boost your credit score.

As a secured credit card, your credit limit is set based on you're deposit, protecting you from falling into debt. However, unlike some secured credit cards, this card also offers a nifty first-year bonus and the opportunity to earn rewards. Cardholders also have access to numerous online credit management tools, providing additional means to help repair damaged credit or boost your credit score.

PROS
  • This is one of the rare secured credit cards that offers a rewards program.
  • It's also rare to offer a welcome bonus to new cardholders. The match offer is unique and has the potential to pay off big.
  • This card doesn't charge foreign transaction fees so it's safe to travel abroad with.
CONS
  • While there's no annual fee, the minimum security deposit amount could be difficult to come up with.
  • Rewards are capped for the 2% earning when you hit $1,000 in spending each quarter in those categories combined.
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Compare the best credit cards for beginners by perks and features

Want to see how our picks for the best first credit cards stack up against each other? Our comparison tool makes it easy to compare up to threetwo cards at a time. Simply select the cards you’re interested in and we’ll automatically display their key perks and features side-by-side. With a quick glance, you can easily identify the card that best suits your needs and preferences.

Select up to 23 cards to compare side-by-side:
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card_name Citi Double Cash® Card
card_name Capital One VentureOne Rewards Credit Card
card_name Citi Custom Cash® Card
card_name Citi Simplicity® Card
card_name Capital One QuicksilverOne Cash Rewards Credit Card
card_name Discover it® Student Chrome
card_name secured Self Visa® Credit Card
card_name Discover it® Secured Credit Card

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SELECT CARD 2
card_name Citi Double Cash® Card
card_name Capital One VentureOne Rewards Credit Card
card_name Citi Custom Cash® Card
card_name Citi Simplicity® Card
card_name Capital One QuicksilverOne Cash Rewards Credit Card
card_name Discover it® Student Chrome
card_name secured Self Visa® Credit Card
card_name Discover it® Secured Credit Card
SELECT CARD 3
card_name Citi Double Cash® Card
card_name Capital One VentureOne Rewards Credit Card
card_name Citi Custom Cash® Card
card_name Citi Simplicity® Card
card_name Capital One QuicksilverOne Cash Rewards Credit Card
card_name Discover it® Student Chrome
card_name secured Self Visa® Credit Card
card_name Discover it® Secured Credit Card
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Frequently asked questions about credit cards for beginners

Qualifying for a starter credit card, while generally easier than for premium cards, still involves meeting certain criteria. Firstly, you must be of legal age to enter a contract. While 18-year-olds can apply, they'll need to demonstrate independent income or have a co-signer until they turn 21, due to regulations. Secondly, you'll need to show a source of income. This doesn't necessarily mean a traditional job; it can include various forms of regular income like benefits, investments, or spousal income. Lenders assess your income to determine your ability to repay borrowed funds. It's important to note that while credit history is a factor, many starter cards are designed for those with limited or no credit. If you have poor or no credit, secured credit cards or those specifically for limited credit are excellent options.

While having a traditional job isn't strictly required to apply for a credit card, demonstrating a reliable source of income is crucial for approval. Credit card issuers need assurance that you can repay borrowed funds. Fortunately, they consider various forms of income beyond employment, including alimony, unemployment benefits, scholarships, and household income from sources like a spouse.

If you lack these income sources, you still have options to access credit. You can explore applying with a co-signer, which adds another layer of financial security for the lender. Alternatively, becoming an authorized user on someone else's established credit card can help you build credit without needing your own income. Finally, a secured credit card, which requires a security deposit, is another viable option, as it mitigates the lender's risk and allows you to establish a positive payment history.

Absolutely. Several credit card options exist for individuals with no prior credit history. Some are tailored for students, though alternatives are available for non-students as well. Certain cards employ innovative methods to assess creditworthiness, such as linking your bank account to demonstrate responsible financial management. These cards can provide a valuable opportunity to establish a positive credit history. Additionally, some may even offer rewards programs, making them an attractive option for those starting their credit journey.

When selecting a starter credit card, strategic consideration is essential to minimize the impact of applications on your credit score. First, assess the credit requirements: prioritize cards specifically designed for building credit, particularly if you have limited or no credit history. Next, evaluate the Annual Percentage Rate (APR). While aiming to pay your balance in full each month is ideal, a lower APR is crucial if you anticipate carrying a balance or financing significant purchases. You'll also want to scrutinize all potential fees, including annual and foreign transaction fees, to understand the card's overall cost beyond interest charges. If considering a secured card, be aware of the deposit requirement and inquire about the potential for transitioning to an unsecured card after establishing a positive payment history. Finally, ensure the card issuer reports to all three major credit bureaus (Experian, Equifax, and TransUnion). This reporting is vital for building a positive credit history and improving your credit score.

Choosing your first credit card is a significant step, akin to selecting your first apartment or car. Prioritize functionality and credit-building potential over enticing but impractical perks. Begin by understanding your current credit standing; knowing your credit score and history is essential to identify cards you're likely to be approved for, as rejections can negatively impact your score.

Next, honestly assess your lifestyle and spending habits to determine your needs. Compare various card options, focusing on terms, interest rates, rewards, and other benefits that align with your typical spending. Pay close attention to the fee structure, as unexpected charges can be a common pitfall for first-time cardholders. By carefully evaluating these factors, you can select a card that not only meets your immediate needs but also contributes to building a strong financial foundation.

For individuals with new or limited credit, the most effective credit-building tools are often secured credit cards. These cards require a security deposit, which typically becomes your credit limit, and offer a straightforward path to establishing a positive payment history, ultimately improving your credit score.

If a secured card isn't your preference, and you're a college student, unsecured student credit cards are a viable alternative. For those not in college, there are other unsecured options designed for individuals with limited credit. These cards offer a chance to build credit without a deposit, though approval criteria may vary.

When choosing your first credit card, prioritize: approval likelihood, minimal fees, understanding the APR (though always pay in full when possible), credit bureau reporting, relevant benefits, and potential for growth from secured to unsecured options. These factors can help ensure you build credit responsibly and avoid unnecessary costs.

There's no strict minimum credit score for a first credit card, as many starter cards are designed for individuals with limited or no credit history. Instead of focusing on a specific score, concentrate on cards marketed towards "fair" or "limited credit" or secured credit cards, which often don't require a pre-existing credit score at all. Lenders primarily assess your income and ability to pay, rather than a long credit history, when considering applications for these entry-level cards.

Credit card issuers determine eligibility for first-time applicants primarily by assessing their income and ability to repay, rather than relying on a credit history. They also verify age and identity, and may consider factors like employment status, housing stability, and existing financial obligations. For secured cards, the security deposit acts as collateral, often making approval easier.

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Rating methodology: CardRatings’ experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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