Reddit
reddit.com › r/creditcards › advice on what’s the best credit card for a complete beginner with no credit
r/CreditCards on Reddit: Advice on what’s the best credit card for a complete beginner with no credit
June 20, 2025 -
I’m looking for a credit card as a complete beginner, one that helps build credit with no annual fee. I was considering discover it secured but someone told me that a mastercard or visa would be better so I started considering capital one but apparently it’s not the best for “building credit” and is more so for rewards. I think I just need advice on a good beginner one for building credit with no annual fee. Also, i read the credit card basics under this subreddit and it says to use a secured credit card as a last resort, why is that?
Top answer 1 of 4
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Despite what you’ve been led to believe, 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”).
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assuming you're a student go for either discover or cap one student cards. just pay on time and in full to built credit
Chase
creditcards.chase.com › no-annual-fee-credit-cards
Compare No Annual Fee Credit Cards | Chase
Apply Now Opens Slate Edge application in new window See details Opens slate edge (Registered Trademark) credit card product page in the same window ... empty checkbox Compare Compare the Slate Edge checkmark Comparing Compare the Slate Edge button disabled Compare Compare the Slate Edge Opens ...
Videos
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7 BEST Starter Credit Cards (2025) - YouTube
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The 6 BEST Credit Cards for Beginners (2025 Update) - YouTube
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Best Beginner Credit Cards of 2025 [UPDATED] - YouTube
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Best Credit Cards for College Students 2025 - YouTube
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The 5 Best $0 Annual Fee Credit Cards That 2025 | MAX Value For ...
Are Credit Cards With No Annual Fee Worthwhile?
A credit card with no annual fee is the most economical choice, especially if you don't plan to use your card often. But rest assured, the best cards with no annual fees do come with plenty of perks, such as a 0% introductory APR, low interest rates and enticing rewards. These cards could deliver more value than cards with annual fees, depending on your spending habits.
money.usnews.com
money.usnews.com › home › credit cards › best no-annual-fee credit cards of november 2025
Best No-Annual-Fee Credit Cards of November 2025 | U.S. News
Who offers credit cards with no annual fee?
Most of the major credit card issuers, like Chase, Amex, Citi, Capital One and Bank of America, all offer credit cards that don't charge annual fees.
cnbc.com
cnbc.com › cnbc select › credit cards › 5 best credit cards that waive your first annual fee in 2026
5 best credit cards that waive your first annual fee in 2026
Can you get a no-annual-fee credit card with bad credit?
Yes, there are no-annual-fee cards available for people with low credit scores. One option is to get a secured credit card that doesn't charge an annual fee — but you'll have to put down a refundable security deposit, instead. If you have bad credit, focus on building credit quickly to make more options available to you.
bankrate.com
bankrate.com › global › credit cards › advertiser disclosure category pages
Best No Annual Fee Credit Cards for January 2026 | Bankrate
U.S. News
money.usnews.com › home › credit cards › best no-annual-fee credit cards of november 2025
Best No-Annual-Fee Credit Cards of November 2025 | U.S. News
November 7, 2025 - You want a card with a 0% introductory annual percentage rate. You don't need to pay extra for 0% APR credit cards, even ones with long introductory offers. Easier approval process. No-annual-fee cards typically require a lower credit score for approval.
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › categories › no-annual-fee.html
No Annual Fee Credit Cards - Mastercard
Get the Zolve Credit Card even without a Social Security Number(SSN) or prior credit history. Offers a credit limit of up to $15,000 to manage your finances smoothly · Zero annual-fee credit card with a simple 5-minute online application process.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › best credit cards › best starter credit cards for no credit of january 2026
Best Starter Credit Cards for No Credit of January 2026 - NerdWallet
2 days ago - ... The Chase Freedom Rise® has everything you want to see in a credit card meant for beginners: a low barrier to approval, a $0 annual fee, solid rewards on everything you buy, and a potential upgrade path to any number of other excellent ...
CNBC
cnbc.com › cnbc select › credit cards › 5 best credit cards that waive your first annual fee in 2026
5 best credit cards that waive your first annual fee in 2026
2 weeks ago - Best for Delta flyers: Delta SkyMiles® Gold American Express Card (see rates and fees) Best for small businesses: Capital One Spark Miles for Business · Who’s this for? The Amex Blue Cash Preferred is a great option if you typically spend a lot on groceries, as it offers an excellent cash back rate: 6% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%). The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Annual fee: $0 for the first year, then $95 (see rates and fees)
Credit Karma
creditkarma.com › credit-cards › no-annual-fee
Best No Annual Fee Credit Cards for January 2026
When shopping for a card, take stock of your spending habits and consider when you’ll be able to offset an annual fee with rewards and when you might be better off without one. How we picked the best no annual fee credit cards Our best no annual fee credit cards include several types of credit cards, including low-interest cards and credit-building cards.
American Express
americanexpress.com › us › credit-cards › category › no-annual-fee
No Annual Fee Credit Cards | American Express
Explore American Express No Annual Fee Cards. Enjoy the benefits of American Express Membership with no annual fee. Apply today. Terms apply.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › best credit cards › best starter credit cards for no credit of october 2025
Best Starter Credit Cards for No Credit of October 2025 - NerdWallet
October 15, 2025 - ... The Chase Freedom Rise® has everything you want to see in a credit card meant for beginners: a low barrier to approval, a $0 annual fee, solid rewards on everything you buy, and a potential upgrade path to any number of other excellent ...
The Points Guy
thepointsguy.com › credit-cards › no-annual-fee
15 best no annual fee credit cards of January 2026 - The Points Guy
3 days ago - The Citi Double Cash Card caters to beginners establishing good credit habits, since users will earn 2% cash back; 1% when they buy and 1% when they pay their statement. The Citi Double Cash is a great pick for those looking for the utmost ...
WalletHub
wallethub.com › credit-cards › starter
Best Credit Cards for Beginners of January 2026 | WalletHub
Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One Savor Student Cash Rewards Credit Card is the best student credit card right now because you may be able to get it with limited or no credit history, it rewards you with 1 - 8% cash back on purchases, and it helps you build credit ...
Price $39.00
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › best credit cards › best no annual fee credit cards of january 2026
Best No Annual Fee Credit Cards of January 2026 - NerdWallet
November 5, 2025 - Enjoy 0% Intro APR for 15 months ... You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card...
Bank of America
bankofamerica.com › bank of america › credit cards › credit cards with no annual fee
Credit Cards with No Annual Fee from Bank of America
Credit cards with no annual fee offer the flexibility of credit without the cost of a yearly fee. Apply online.
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › no-credit.html
Credit Cards for No Credit - Mastercard
Get the Zolve Credit Card even without a Social Security Number(SSN) or prior credit history. Offers a credit limit of up to $15,000 to manage your finances smoothly · Zero annual-fee credit card with a simple 5-minute online application process.