FYI: Those who has/are recommending the Chase Freedom Flex or Freedom Unlimited, be aware that Chase prefer to see at least one year of personal credit history and/or existing banking relationship. If OP doesn’t have neither of those, then there’s a very high chance of denial. There’s only one Chase card that you can recommend someone with no existing credit history, and that’s the Freedom Rise. OP, update your post with the template and make sure to fill out the monthly spendings, for others to make recommendations. Universally, the Capital One SavorOne for students is a great choice for the majority of college students. Answer from madskilzz3 on reddit.com
Reddit
reddit.com › r/creditcards › what’s the best credit card for a beginner?
r/CreditCards on Reddit: What’s the best credit card for a beginner?
November 23, 2023 -
I’m a college student and I need to start building my credit but I don’t know where to start. I don’t plan on using the card for any big purchases. Just day to day things like my groceries or gas. What is the best card for a beginner? And is there anything else I should know as I start my credit journey? Edit template:
Current credit cards you are the primary account holder of: N/A
FICO Scores with source (see note on FICO score sources below): N/A
Oldest credit card account age with you as primary name on the account: N/A
Number of personal credit cards approved for in the past 6 months: N/A
Number of personal credit cards approved for in the past 12 months: N/A
Number of personal credit cards approved for in the past 24 months: N/A
Annual income $: 18,000 ish CATEGORIES
OK with category-specific cards?: Yes
*OK with rotating category cards?: Yes
Estimate average monthly:
* Dining $: $50
* Groceries $: Kroger- $250 Target- $30
* Gas $: $160
* Travel $: $50-100 put into savings a month
* Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
* Subscriptions: Phone- $42. Insurance $9.52
* Can you pay rent by credit card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Current member of Amazon Prime?: No
* Current Verizon postpaid customer?: Yes $42
* Current member of Costco or Sam's Club? No
* Planet Fitness- $15.99. Hulu $2.99. Peacock $1.99. Insurance $9.52.
* Current member of Chase, US Bank or any other big bank?: No
* Active US military?: No
* Are you open to Business Cards?: No
PURPOSE
* What's the purpose of your next card (choose ONE)?: First Credit Card
* If you answered "first credit card", are you an authorized user on any other cards? No
* Do you have any cards you've been looking at? Capital One student card I’d also like to add I am moving into my first apartment in a few weeks. Grocery cost is an estimation as I have living with my family. Wasn’t sure where to put this but my rent is $890/month. Thank you for all of your advice!
Top answer 1 of 14
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FYI: Those who has/are recommending the Chase Freedom Flex or Freedom Unlimited, be aware that Chase prefer to see at least one year of personal credit history and/or existing banking relationship. If OP doesn’t have neither of those, then there’s a very high chance of denial. There’s only one Chase card that you can recommend someone with no existing credit history, and that’s the Freedom Rise. OP, update your post with the template and make sure to fill out the monthly spendings, for others to make recommendations. Universally, the Capital One SavorOne for students is a great choice for the majority of college students.
2 of 14
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I had no score two years ago. I got the Discover IT Secured card, used it for tiny purchases, paid it off in full every month, and they returned my deposit and gave me a $1,500 unsecured credit line within 6 months of opening the card. Now, I have 3 cards and a 700+ score.
Forbes Advisor
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
4 days ago - We consider the Capital One QuicksilverOne Cash Rewards Credit Card (rates & fees) to be a good option for those with fair credit and we’ve seen people qualify with a limited credit history—even if that credit was built as an authorized ...
Seriously, what’s the best beginner credit card?
Start with Discover It unless you're a student, in which case I would start with either Savor Rewards for Students or Quicksilver Rewards for Students. More on reddit.com
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February 6, 2025What’s the best credit card for a beginner?
FYI: Those who has/are recommending the Chase Freedom Flex or Freedom Unlimited, be aware that Chase prefer to see at least one year of personal credit history and/or existing banking relationship. If OP doesn’t have neither of those, then there’s a very high chance of denial. There’s only one Chase card that you can recommend someone with no existing credit history, and that’s the Freedom Rise. OP, update your post with the template and make sure to fill out the monthly spendings, for others to make recommendations. Universally, the Capital One SavorOne for students is a great choice for the majority of college students. More on reddit.com
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November 23, 2023What is a good beginner credit card?
Get a secured card, and pay it off in full every month. Once you have a decent credit history, switch to a rewards card. And keep paying it off in full every month. More on reddit.com
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July 16, 2025best credit card for beginners?
Capital One and Discover tend to be friendlier issuers for new or rebuilding players. Try pre-approving and let us know your results: Capital One (student): https://www.capitalone.com/credit-cards/preapprove/student/ Capital One (non-student): https://www.capitalone.com/credit-cards/preapprove/ Discover: https://www.discovercard.com/application/preapproval/initial Be sure to list the exact product names of the products you pre-approve for (e.g., “Savor Rewards” isn’t the same offer as “Savor Rewards for good credit”). More on reddit.com
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3
February 14, 2025What are the best starter credit cards to build credit?
The best starter credit card to build credit with is the Capital One Platinum Credit Card (see details, rates & fees), as it is designed for applicants with limited credit or no credit history at all. This card reports account activity to the credit bureaus on a monthly basis, and it does not charge an annual fee. As long as you pay your bill in full every month, Capital One Platinum (see makes it easy to inexpensively build credit fast. · Notable Starter Credit Cards for Building Credit · ...
wallethub.com
wallethub.com › credit-cards › starter
Best Credit Cards for Beginners of January 2026 | WalletHub
What are the best starter credit cards for bad credit?
The best starter credit card for bad credit is the Capital One Quicksilver Secured Cash Rewards Credit Card (see details, rates & fees) because it offers 1.5 - 5% cash back on purchases and has a $0 annual fee. Plus, the card reports account information to the major credit bureaus monthly. Those features can help people with bad credit to start improving it and save money at the same time. · The Capital One Quicksilver Secured (see details, rates & fees) card requires a security deposit of at least $200, and the amount of your deposit will determine your credit limit. This deposit is..
wallethub.com
wallethub.com › credit-cards › starter
Best Credit Cards for Beginners of January 2026 | WalletHub
What is a good credit limit for a first credit card?
A good credit limit for your first credit card is $500 to $1,000. People who are new to credit often get lower limits, but you could get a $500+ limit if you have a high income or you make a large deposit on a secured card. · The credit limit for unsecured credit cards is determined by your income, debts, and payment obligations, in addition to your credit history. So, it may also be capped by the amount of income you have available to spend. · If you start out with a low credit limit, you can usually request an increase after six months. Some issuers will review and increase your limit automa
wallethub.com
wallethub.com › credit-cards › starter
Best Credit Cards for Beginners of January 2026 | WalletHub
Videos
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Credit Karma
creditkarma.com › credit-cards
Best Credit Cards | January 2026
1 month ago - Capital One Venture Rewards Credit Card: You’ll get a steady rewards rate on every purchase and a straightforward redemption process for travel. Learn more in our Capital One Venture Rewards Credit Card review. These best credit cards with 0% intro APR offers are good for people who run into unexpected expenses or need to finance a major purchase.
Bankrate
bankrate.com › credit cards › building credit
Best Starter Credit Cards | Bankrate
September 9, 2025 - The opensky® Secured Visa® Credit Card is a secured credit card that doesn’t require a credit check to apply, making it a good starter card option for someone with no credit or a recent bankruptcy.
Discover
discover.com › card smarts › getting a credit card › getting your first credit card
How to Choose the Best First Credit Card for You | Discover
October 3, 2025 - Secured and student credit cards are good options for building credit history and developing healthy financial habits. A secured credit card requires collateral—a refundable security deposit—at account opening.
Money To The Masses
moneytothemasses.com › using-credit › credit-cards › best-first-time-credit-card-uk
Best first-time credit card - December 2025 - Money To The Masses
5 days ago - We look at the best first-time credit cards, including what to look for, how to apply and the pros and cons
The Points Guy
thepointsguy.com › credit-cards › best-first-credit-cards
Best first credit cards for beginners - The Points Guy
July 31, 2025 - Here are some recommendations for the best first credit cards for beginners. Welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first three months from account opening. Annual fee: $95. ... Standout benefits: The Sapphire Preferred Card earns Chase Ultimate Rewards points on every purchase and features popular bonus categories to get more points to use toward travel on common expenses. It’s easy to collect points to use toward travel with this card.
WalletHub
wallethub.com › credit-cards › starter
Best Credit Cards for Beginners of January 2026 | WalletHub
Capital One QuicksilverOne Cash Rewards Credit Card
... The best starter credit card to build credit with is the Capital One Platinum Credit Card (see details, rates & fees), as it is designed for applicants with limited credit or no credit history at all.
Price $39.00
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › excellent-credit.html
Credit Cards for Excellent Credit - Mastercard
The Gemini Credit Card is issued by WebBank and offers various benefits from Mastercard. Show more Show less ... A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does ...
LendingTree
lendingtree.com › credit-cards › best › credit-cards-for-beginners
Top Beginner Credit Cards: Expert Picks for 2026 | LendingTree
1 week ago - The Capital One Savor Cash Rewards Credit Card is the top credit card for beginners with good / excellent credit because it’s the best cash back credit card you can find with a $0 annual fee.
Bank of America
bankofamerica.com › bank of america › credit cards › credit cards to build credit
Credit Cards to Help Build or Rebuild Credit
Answer a few quick questions to see what offers are waiting for you. It will only take a minute and won’t impact your credit score. ... Choosing a credit card can be overwhelming. We’ve compiled some important considerations to help you pick the best credit card for you.
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › no-credit.html
Credit Cards for No Credit - Mastercard
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app ... A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type ...
Discover
discover.com › credit-cards › secured-credit-card
Discover Secured Credit Card | Build Your Credit History
Seeing how your credit score is affected by your credit actions can help you improve your credit knowledge. ... With the Discover it® Secured Credit Card, you provide a refundable security deposit to back your credit line.
Visa
usa.visa.com › pay-with-visa › find-card › apply-credit-card
Apply for a Credit Card | Visa
Discover Visa personal payment solutions, secure transactions, travel support, cards and rewards designed to bring more value to your everyday experiences.
Navy Federal Credit Union
navyfederal.org › go to makingcents › credit & debt
A Guide to Choosing the Best First Credit Card | Navy Federal Credit Union
If you use your secured card responsibly, you can build a positive credit history over time. A good option for people with no credit history is the Navy Federal cashRewards Secured Credit Card.
Academy Bank
academybank.com › article › why-credit-builder-is-the-best-credit-card-for-beginners
Best Credit Card for Beginners: Credit Builder | Blog | AcademyBank
Looking for the best way to build credit? It's easy! Learn why Academy Bank's Credit Builder Secured Credit Card is the top credit card for beginners.
Capital One
capitalone.com › learn & grow › money management › first credit card
How to Get Your First Credit Card | Capital One
Capital One might have a few options worth exploring: The Platinum Mastercard and Platinum Secured cards are good options for first-time applicants. The Quicksilver Secured and QuicksilverOne cards even let cardholders earn rewards.
CreditCards.com
creditcards.com
Credit cards: Find the Right Card For You at Creditcards.com
Find the best credit cards by comparing a variety of offers for balance transfers, rewards, low interest, and more. Apply online at CreditCards.com.
Quora
quora.com › Which-are-the-best-credit-cards-for-beginners
Which are the best credit cards for beginners? - Quora
Answer: In my personal view the below listed cards are best for beginners: 👉🏻SBI SimplySave(Best for offline transactions) 👉🏻SBI SimplyClick(Best for online transaction) 👉🏻SBI Cashback 👉🏻 Amazon Pay ICICI / ICICI Platinum ...
Quora
quora.com › What-is-a-good-credit-card-for-someone-who-has-never-had-one-and-is-only-just-beginning-to-try-to-build-credit-Any-insight-helps
What is a good credit card for someone who has never had one and is only just beginning to try to build credit? Any insight helps. - Quora
Answer (1 of 2): The best credit card at this stage is the one that you will be approved for. Just apply for some until you get one. You just need to start using one and pay off the balance in full as soon as possible. If you can't pay for your purchase in less than the grace period (21–28 days...