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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.

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 20, 2023

Which are the best Credit Cards for beginners?

Embarking on your credit-building journey? Learn about the best credit cards for beginners. Find the ideal card to kickstart your financial future.

If you're a beginner looking to build your credit health, getting a credit card is a smart move. It can help establish your credit history, which is essential for future financial endeavors. However, with the myriad of credit cards available, it can be overwhelming for beginners to choose the best one. In this guide, we will explore the types of credit cards ideal for beginners, why they are suitable, and the factors you should consider when making your choice.

Which are the best Credit Cards for Beginners?

Beginner's credit cards, with low or no annual fees, can help establish a limited credit history and offer rewards. Starting your credit-building journey early is crucial; there's no better time than now to apply for a credit card. Choosing the right beginner's card can be challenging, but a list of top recommendations can help guide you on the right path.

Best Credit Cards for Beginners

When selecting a credit card as a beginner, not all cards are created equal. Some types of credit cards are more beginner-friendly than others. Here are some of the best types of credit cards for beginners:

Secured Credit Cards

Secured Credit Cards are an excellent choice for beginners looking to build their credit from scratch or rebuild it after a setback. These cards require a security deposit, which serves as collateral in case you fail to make payments. Secured credit cards are typically easier to qualify for, making them a great starting point for individuals with no or poor credit history. They offer a controlled way to build credit and are less risky for the cardholder.

Student Credit Cards

Student Credit Cards are designed specifically for college students and young adults with limited credit history. These cards often have lower credit limits and may offer rewards or cashback tailored to student needs, such as discounts on textbooks or online shopping. They are a practical choice for students who want to establish credit while pursuing their education.

Starter Credit Cards

Starter Credit Cards target those with limited or no credit history. These cards are a step up from secured credit cards and may not require a security deposit. They typically come with lower credit limits, making them a safe option for beginners. However, they may have higher interest rates and fewer rewards compared to other credit card types.

Retail Store Credit Cards

Retail Store Credit Cards can be a good entry point for beginners who frequently shop at a specific store. These cards are often easier to obtain but come with lower credit limits. They may offer discounts or rewards for purchases made at the affiliated store. Using a retail store credit card responsibly can help build your credit history.

Low-Interest Rate Credit Cards

While not exclusively for beginners, low-interest-rate credit cards can be a helpful option if you plan to carry a balance from month to month. These cards can save you money on interest charges, which can be important for managing your finances as a beginner. They are beneficial if you anticipate carrying a balance while establishing your credit.

Why these types are ideal for Beginners?

Now that we've discussed the types of credit cards suitable for beginners let's delve into why they are ideal choices:

Lower Credit Requirements

Beginner-friendly credit cards, such as secured and student cards, often have more lenient credit requirements. This makes getting approved easier for individuals with limited or no credit history. Having a credit card and using it responsibly is a crucial step in building your credit.

Risk Mitigation

Secured credit cards require a security deposit, which acts as collateral. This reduces the risk for the card issuer, making it an attractive option for beginners. In case of missed payments, the issuer can use the deposit to cover the outstanding balance, protecting the cardholder's credit score.

Rewards and Perks

Some beginner credit cards offer rewards, cashback, or discounts tailored to specific needs. For instance, student credit cards may provide rewards on textbook purchases or dining, while retail store credit cards offer discounts on in-store purchases. These benefits can be appealing and provide added value to cardholders.

Credit Building Opportunities

All of the mentioned credit card types provide an opportunity to build a positive credit history. By making on-time payments and maintaining a low credit utilization rate, beginners can gradually improve their credit score. A better credit score opens the door to more favorable financial products and opportunities in the future.

Factors to consider when choosing a Credit Card

Choosing the right credit card as a beginner involves careful consideration of several factors. Here are some key considerations to keep in mind:

  • Credit Score: Determine your current credit score and choose a credit card that matches your credit profile. Secured and starter credit cards are excellent for those with lower or no credit scores, while student credit cards are designed for students with limited credit history
  • Interest Rates: Pay attention to the card's annual percentage rate (APR). Low-interest rate credit cards can save you money if you plan to carry a balance. However, the APR may be less significant if you intend to pay your balance in full every month
  • Fees: Review the card's fee structure. Some cards may have annual fees, while others do not. Look for cards with no annual fees to minimize costs. Additionally, consider foreign transaction fees if you plan to use the card for international travel
  • Credit Limit: Understand the credit limit offered by the card. While you may start with a lower limit as a beginner, ensuring it meets your spending needs is essential. Responsible credit utilization is vital for building credit
  • Rewards and Benefits: If you want to earn rewards or cashback, assess the card's rewards program. Consider whether the rewards align with your spending habits and preferences. Some cards offer cashback on everyday purchases like groceries and gas, while others focus on travel or dining
  • Credit Reporting: Ensure that the credit card reports your payment history to the major credit bureaus. This is crucial for building a positive credit history. Most reputable credit cards report to credit bureaus, but it's worth confirming
  • Grace Period: Check the card's grace period, which is the time between the billing cycle closing and the due date for payment. A longer grace period provides more time to make payments, reducing the risk of late payments
  • Customer Service and Online Access: Consider the quality of customer service the card issuer provides. Online account access and mobile apps can make managing your credit card and tracking your spending easier

Additional tips for Beginners

Here are some additional tips to help beginners make the most of their credit cards and build a solid credit history:

  • Set a Budget: Before using your credit card, establish a budget to track your spending. This will help you avoid overspending and ensure you can pay your bills in full each month
  • Keep Track of Your Purchases: Regularly monitor your credit card statements to review your spending. This will help you detect any unauthorized charges and keep your finances in check
  • Set Up Automatic Payments: Consider setting up automatic payments for at least the minimum amount due to ensure you never miss a payment. Timely payments are crucial for building good credit
  • Use as Little of Your Credit Limit as Possible: Aim to use no more than 30% of your credit limit to maintain a healthy credit utilization ratio. Low credit utilization demonstrates responsible credit management

Final Word

Selecting the best credit card for a beginner is a critical step in building a strong credit history. The right credit card type can provide you with opportunities to establish good credit while minimizing risk. Consider your credit score, interest rates, fees, credit limit, rewards, and other factors to make an informed decision. Remember to use your credit card responsibly, make on-time payments, and keep

 If you lack credit history, consider a credit card tailored to your situation, whether it's for bad credit, no credit, or a student credit card, to start your credit journey with the help of Bright Money Now!

Further Readings

For further insights into managing your finances and debt, consider reading these related blogs from Bright Money:

  1. Should I pay my credit card bill as soon as I get it?
  2. How do credit card balance transfers work?
  3. Record-breaking credit card debt and the summer of 2022
  4. Buy Now, Pay Later: Worth it or not in 2022?
  5. What is the Rule of 72? - Bright

Frequently Asked Questions (FAQs)

  1. What are the parameters before selecting a credit card?

Consider factors such as annual fees, interest rates (APR), rewards or cash-back programs, credit limits, and any introductory offers. 

  1. Can I have two credit cards as a beginner?

Many beginners often have one credit card as an authorized user while having another card for their own account. However, it's important to note that applying for two credit cards simultaneously can potentially harm your credit score and reduce your chances of approval.

References-

https://www.lendingtree.com/credit-cards/credit-card-debt-statistics/

https://www.investopedia.com/terms/c/credit-card-debt.asp

https://www.businessinsider.com/us-economy-debt-credit-card-debt-1-trillion-interest-rates-2023-9

https://www.bankrate.com/finance/credit-cards/ways-to-pay-off-credit-card-debt/

https://www.nytimes.com/2023/08/18/your-money/credit-card-debt.html

https://www.cnn.com/2023/08/08/economy/us-household-credit-card-debt/index.html

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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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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.

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Credit
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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.

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Credit
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Credit
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Credit
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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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Credit
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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.

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.

Heading

Credit
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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.
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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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