Showing results for Beginners with good credit
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
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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!

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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 ...
People also ask

Do store cards make good beginner credit cards?

A store card can help you build credit, but this type of card often has higher interest rates than general-use credit cards. The Amazon Prime Secured Card* could be worth considering for those who often shop at Amazon.com. It earns 2% back at Amazon.com, Amazon Fresh and more for eligible Prime members, non members do not currently earn rewards with this card. It also has a lower-than-average 10.00% fixed rate APR on purchases.

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forbes.com
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
Do you understand the basics of credit cards?
Knowing how credit cards work may help you avoid some common pitfalls, like overspending or falling behind on payments. A credit card gives you access to a line of credit that you may use as needed, up to your credit limit. Every month, you get a bill for the amount you owe. You have the option to pay your balance in full or make at least the required minimum payment and carry the rest over to the next month. Any balance you carry over typically accrues interest based on your credit card’s annual percentage rate (APR). That interest may build quickly, so it’s better to pay the full balance whe
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discover.com
discover.com › card smarts › getting a credit card › getting your first credit card
How to Choose the Best First Credit Card for You | Discover
What's the easiest travel credit card to get?

The easiest type of travel credit card to get is generally going to be a secured credit card that requires an upfront deposit to open. However, this type of credit card typically has fewer benefits or weaker rewards.

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cnbc.com
cnbc.com › cnbc select › credit cards › best travel credit cards for beginners in 2026
Best travel credit cards for beginners in 2026
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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.
Discussions

What’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
🌐 r/CreditCards
62
55
November 23, 2023
Best credit cards for a beginner?
r/personalfinance is a good place to start - read the wiki! I think they even have a section on beginner credit cards in there. I would also read “The Psychology of Money”. If you have a brick and mortar bank, go there and ask them about your options to get a card through them. More on reddit.com
🌐 r/personalfinance
14
1
August 6, 2023
Best card for beginners?
Discover is usually the best bet. If your a student you can try for their student card. The secured card is the best option otherwise, which provides some great rewards for the first year. Discover is very friendly to new credit users. Secured cards build credit the same as any other credit card. There is no way to build credit quickly it will take time. More on reddit.com
🌐 r/CRedit
18
16
December 7, 2022
What's the Best Beginner Credit Card to get in Canada?
Student credit cards generally aren't based on age you just need proof that you are enrolled in school. Your auto approved unless you already have bad credit. More on reddit.com
🌐 r/PersonalFinanceCanada
11
2
December 22, 2021
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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.
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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.
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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.
Find elsewhere
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CNBC
cnbc.com › cnbc select › credit cards › best travel credit cards for beginners in 2026
Best travel credit cards for beginners in 2026
2 days ago - If you're interested in earning points or miles, there are plenty of travel rewards credit cards to choose from. Many come with welcome bonuses, travel protections, access to booking portals and partnerships with top airlines and hotels. Many top travel rewards cards have annual fees, but you can easily get your money's worth with all the benefits they include. Below, CNBC Select has compiled the best beginner travel rewards credit cards to help you get started with earning points and miles that can be redeemed for flights, hotels, car rentals and more.
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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 ...
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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
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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
4 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 ...
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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.
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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 ...
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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 ...
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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.
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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.
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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.
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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.
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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.
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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...