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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

November 21, 2023

The Top 15 Preferred Credit Cards for Beginners!

Discover the best credit card options for beginners! Our list of the top 15 preferred credit cards offers insights for those starting their credit journey. Find the right card for you.

But before we get into the topic, it is recommended to first read about the Top 19 Credit Cards to build credit in 2023 in detail by Bright Money!

With hundreds of options available, how do you know which credit card best fits you? This guide will help you navigate the credit card landscape and discover which cards are preferred for beginners.

Which Credit Cards are Preferred for Beginners?

Credit cards preferred for beginners typically include secured cards, student cards, and those with no annual fees.

1. Credit Building 

2. Students

3. Fresher 

  • Petal® 2 "Cash Back, No Fees" Visa® Credit Card

4. Rewards

Criteria for Selecting the Best Credit Cards for Beginners

When choosing a credit card for beginners, it's important to consider several key factors:

  • Credit Score Requirements: Since beginners typically have limited or no credit history, they need cards accessible to those with fair or no credit scores
  • Annual Fees: For beginners, a credit card with no annual fee is usually the best choice. This minimizes the cost of ownership while you're building credit
  • Rewards and Perks: Although rewards may not be the primary concern for beginners, it's still a nice benefit. Cards with cashback rewards or introductory bonuses are often preferred
  • Interest Rates: Low APRs are important for beginners because they are more likely to carry a balance. Avoiding high-interest charges is crucial
  • Credit-Building Tools: Some credit cards offer tools and resources to help beginners understand and improve their credit

Now, let's delve into the specific credit card options that meet these criteria.

Best Credit Cards for Beginners

For Credit Building

1. Citi® Secured Mastercard®

Credit Score Requirement: No minimum credit score requirement.

Annual Fee: $0

Rewards: This secured card does not offer cashback or rewards but can help you build or rebuild your credit.

Interest Rate: Variable APR, generally lower than many other secured cards.

Credit-Building Features: The Citi Secured Mastercard is an excellent option for beginners looking to establish or repair their credit with a secured card.

This card is specifically designed for those new to credit or needing to rebuild their credit.

2. OpenSky® Secured Visa® Credit Card

Credit Score Requirement: No credit check is required, making it accessible to those with poor or no credit

Annual Fee: $35

Rewards: This secured card does not offer cashback or rewards but can help you establish or rebuild your credit

Interest Rate: Fixed APR

Credit-Building Features: The OpenSky Secured Visa Credit Card is an ideal option for beginners with poor or no credit who want to improve their credit history.

This card is designed for individuals who may not qualify for unsecured cards due to limited or poor credit history

3. Discover it® Secured Credit Card

Credit Score Requirement: No minimum credit score requirement

Annual Fee: $0

Rewards: This secured card offers cashback rewards, with 2% cashback at restaurants and at gas stations (up to $1,000 in combined expenses each quarter), and 1% cashback on all other purchases. Discover matches your cashback rewards at the end of your first year

Interest Rate: Variable APR, but a lower APR than other secured cards

Credit-Building Features: Discover provides free access to your FICO credit score, an invaluable tool for tracking your credit improvement

The Discover it® Secured Credit Card is an excellent choice for beginners with no or poor credit. It allows you to build credit while enjoying cashback rewards.

4. Secured Mastercard® from Capital One

Credit Score Requirement: Limited, fair, or no credit history

Annual Fee: $0

Rewards: This card does not offer rewards, making it an affordable option for credit building

Interest Rate: Variable APR, typically lower than unsecured cards

Credit-Building Features: Capital One reports your payment history to all 3 major credit bureaus, thus helping you build credit over time. You can also access a higher credit line after making your first five monthly payments on time

The Secured Mastercard from Capital One is an accessible choice for beginners who want to establish a credit history while avoiding an annual fee.

5. Capital One Platinum Credit Card

Credit Score Requirement: Limited, fair, or no credit history

Annual Fee: $0

Rewards: This card does not offer cash back or rewards, making it suitable for those solely focused on building credit

Interest Rate: Variable APR, with the possibility of a higher APR for those with limited credit history

Credit-Building Features: Capital One offers access to CreditWise, a credit monitoring tool that can help you track your credit progress

The Capital One Platinum Credit Card is a straightforward option for beginners looking to establish a credit history without the distraction of rewards.

For Students

1. Journey® Student Rewards from Capital One®

Credit Score Requirement: Designed for students with limited or no credit history

Annual Fee: $0

Rewards: Earn 1% cash back on all purchases, and if you pay on time, you can get an additional 0.25% cash back, making it 1.25% cash back in total

Interest Rate: Variable APR

Credit-Building Features: The Journey Student Rewards card is designed specifically for students looking to establish their credit while earning cash back rewards

This card is tailored for students and is an excellent option for building credit and enjoying cash back rewards.

2. Discover it® Student Cash Back

Credit Score Requirement: Designed for students with limited or no credit history

Annual Fee: $0

Rewards: This student card offers cashback rewards, with a cashback of 15% on rotating categories (up to $1,500 in expenses each quarter) and 1% cashback on all other purchases. Discover matches your cashback rewards at the end of your first year

Interest Rate: Variable APR

Credit-Building Features: Discover provides free access to your FICO credit score, which can be valuable for students looking to build credit

The Discover it Student Cash Back card is an excellent choice for students who want to build their credit while earning cash back rewards.

3. Deserve® EDU Mastercard for Students

Credit Score Requirement: Designed for students with limited or no credit history

Annual Fee: $0

Rewards: Earn 1% cash back on all purchases, plus access to Amazon Prime Student with an eligible university email address

Interest Rate: Variable APR

Credit-Building Features: The Deserve EDU Mastercard is explicitly designed for students with limited credit history, making it an excellent option for those new to credit

This card is tailored for students and is a good choice for building credit and enjoying cash back rewards.

For Freshers

1. Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Credit Score Requirement: Limited or no credit history

Annual Fee: $0

Rewards: Earn 1% cash back on eligible purchases immediately and 1.25% cash back after you make six on-time payments, for a total of 1.25% cash back

Interest Rate: Variable APR, which can be lower than that of many other beginner credit cards

Credit-Building Features: The Petal 2 card is designed for people with limited credit history and offers a path to increasing your credit limit over time

The Petal 2 Visa Credit Card is an excellent choice for beginners who want to start building credit and earn cashback rewards without an annual fee.

For Rewards

1. Blue Cash Everyday® Card from American Express

Credit Score Requirement: Good to excellent credit, but those with fair credit may be considered

Annual Fee: $0

Rewards: Earn 3% cash back at U.S. supermarkets (up to $6,000 in yearly purchases), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases

Interest Rate: Variable APR

Credit-Building Features: While it may be more suitable for those with better credit, responsible use of the Blue Cash Everyday Card can help you build your credit

This card is ideal for beginners who want to earn cash back on everyday expenses without an annual fee.

2. Discover it® Miles

Credit Score Requirement: Good to excellent credit, but may consider those with fair credit

Annual Fee: $0

Rewards: Earn an unlimited 1.5 miles for every dollar spent, and Discover matches your miles at the end of your first year

Interest Rate: Variable APR

Credit-Building Features: While not specifically designed for beginners, responsible use of the Discover it Miles card can contribute to building a good credit history

This card is an excellent option for beginners who want to earn miles for travel and build credit simultaneously.

3. Chase Freedom Unlimited®

Credit Score Requirement: Good to excellent credit, but beginners with fair credit may be considered

Annual Fee: $0

Rewards: Earn unlimited 1.5% cash back on all purchases. Plus, for the first year, Chase will match your cash back rewards

Interest Rate: Variable APR

Credit-Building Features: While not specifically designed for beginners, responsible use of Chase Freedom Unlimited can contribute to building a good credit history

The Chase Freedom Unlimited is a versatile card that offers cash back rewards and can be a good option for those with a slightly better credit history.

Credit Score Scale|| Bright App to get out of Debt

4. Bank of America® Travel Rewards Credit Card

Credit Score Requirement: Good to excellent credit

Annual Fee: $0

Rewards: Earn unlimited 1.5 points on every $1 spent on all purchases. These points can be redeemed for travel-related expenses

Interest Rate: Variable APR

Credit-Building Features: This card may not be suitable for absolute beginners, but responsible use can contribute to building credit. Bank of America provides access to the FICO credit score

The Bank of America Travel Rewards Credit Card is an excellent choice for beginners interested in earning travel rewards without an annual fee.

5. Wells Fargo Cash Wise Visa® Card

Credit Score Requirement: Good to excellent credit, but beginners with fair credit may be considered.

Annual Fee: $0

Rewards: Earn 1.5% cash back on all purchases and 1.8% cash back on qualified digital wallet purchases (e.g., Apple Pay or Google Pay) during the first 12 months

Interest Rate: Variable APR

Credit-Building Features: While it may be more suitable for those with better credit, the Wells Fargo Cash Wise Visa Card can still help you build credit with responsible use

This card is a solid choice for beginners who appreciate cashback rewards and the added benefit of digital wallet purchases.

Final Thoughts

According to a report, 31 per cent of payments are made with credit cards. Choosing the appropriate credit card is one of the most essential steps in building a strong financial foundation for beginners. It is crucial to select a credit card that fits your objectives—whether they involve raising your credit score, accumulating cashback, or both—and your present financial status.

Recommended Reads

How to check your credit score?

5 mistakes to avoid while building credit

FAQs

1. What should beginners look for in a credit card?

Beginners should prioritize credit cards with no annual fees, as this minimizes the cost of ownership. Look for cards with lower interest rates (APR), credit-building features, and potentially cashback rewards.

2. Can beginners with no credit history get a credit card?

Yes, there are credit cards designed for individuals with limited or no credit history, such as secured credit cards and student credit cards. These are excellent options for beginners.

3. What is a secured credit card, and why is it recommended for beginners?

A secured credit card needs a security deposit, which becomes the credit limit. It's recommended for beginners because it helps establish or rebuild credit, and approval is often easier than with unsecured cards.

References

https://www.frbsf.org/cash/publications/fed-notes/2023/may/2023-findings-from-the-diary-of-consumer-payment-choice/

https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-credit.htm

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This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

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This is some text inside of a div block.
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