Getting your first credit card is a big life step. In addition to being a useful tool for managing your finances, it’s a chance to affirm yourself as a responsible adult who is worthy of credit. The best credit cards for beginners should be easy to acquire and feature reasonable terms and conditions, but that doesn’t mean you have to set the bar low.
Here we will lay out what you need to know to choose the best starter credit card for your situation, including some of our top picks. The best credit cards for beginners won’t necessarily be the same as the best credit cards for no credit, since consumers who are beginners in the world of credit cards may already have strong credit scores.
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Featured Offer
Firstcard® Credit Builder Card with Cashback for College Students
Welcome Bonus
Earn $10 when you spend $30 in the first 30 days.
Annual Percentage Yield The Annual Percentage Yield (“APY”) for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 2023. Account fees may reduce earnings. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.
Earn 1.25% APY with Firstcard or 4.25% with Firstcard+ on the money in your Firstcard.
Credit Score
No credit checks and no credit history are required to open a credit card
Methodology
Our team of experts evaluated dozens of credit cards with features that appeal to beginners, including cards that earn flexible points, cash back cards and travel rewards cards. We reviewed several factors including interest rates, credit score requirements, rewards, benefits and fees. With our data-based approach, we narrowed down the list to the 10 best credit cards for beginners that scored highly based on our weightings. Read our full methodology below.
Show summary
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Chase Freedom Unlimited®: Best card for beginners
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Chase Freedom Flex℠: *
Best card for rotating bonus categoriesThe information for the Chase Freedom Flex℠ has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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U.S. Bank Cash+® Visa Signature® Card: *
Best card for cash back in choice categoriesThe information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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U.S. Bank Altitude® Go Visa Signature® Card: *
Best card for dining rewardsThe information for the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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Citi Premier® Card: Best beginner card for gas and dining
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Wells Fargo Autograph℠ Card: Best card for phones
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Bank of America® Premium Rewards® credit card: Best travel card for beginners
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U.S. Bank Altitude® Reserve Visa Infinite® Card: *
Best card for upscale travel perksThe information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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Capital One Quicksilver Student Cash Rewards Credit Card: *
Best beginner card for studentsThe information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best business card for beginners
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Frequently asked questions (FAQs)
Chase Freedom Unlimited®
Best card for beginners
Key takeaways
1.5%
Earn an additional 1.5% cash back on up to $20,000 spent in the first year
5%
After that 5% on Chase travel purchased through Chase Ultimate Rewards®
3%
3% on dining and drugstores and 1.5% on all other purchases
4.7/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for beginners
On Chase Bank USA, NA’s Secure Website
Welcome bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
up to $300 cash back
Annual fee
$0
Regular APR
20.49% – 29.24% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
With a $0 annual fee and a strong base rewards rate, the Chase Freedom Unlimited is a no-brainer for credit card beginners with established credit. On top of cash back on most spending, you can earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back. If you’re considering opening your first credit card to finance a large purchase, the Chase Freedom Unlimited has you covered with a 0% intro APR on purchases for 15 months (followed by a 20.49% – 29.24% Variable APR).
+ Pros
- Generous welcome offer for a no-annual-fee card
- No annual fee
- 15-month 0% introductory APR (then a 20.49% – 29.24% Variable APR ongoing)
– Cons
- Ongoing balance transfer fee is high
- Not eligible to transfer points to airline and hotel loyalty program partners
- Charges a foreign transaction fee
Highlights
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Chase Freedom Flex℠
* The information for the Chase Freedom Flex℠ has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best card for rotating bonus categories
Key takeaways
5%
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled.
5%
5% on travel purchased through Chase Ultimate Rewards®.
3%
3% on dining and drugstores and 1% on all other purchases.
4.7/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for rotating bonus categories
Welcome bonus Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)
Annual fee
$0
Regular APR
20.49% – 29.24% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
The Chase Freedom Flex’s strong rewards-earning opportunities are led by rotating 5% cash back categories. Each quarter, the categories refresh, and card holders who activate can earn 5% back on up to $1,500 in combined spending (then 1% cash back). Plus, consumers looking to use a credit card for expenses they can’t pay off immediately can make use of the card’s 0% intro APR on purchases for 15 months (then a 20.49% – 29.24% Variable APR).
+ Pros
- Earn 5% back on eligible travel and purchases in rotating categories
- 15-month 0% intro APR (then 20.49% – 29.24% Variable APR)
- No annual fee
– Cons
- Quarterly cash back category capped at $1,500 in combined purchases each quarter
- Charges a foreign transaction fee
- Redemption options don’t include transferring to airline and hotel loyalty partners
Highlights
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
U.S. Bank Cash+® Visa Signature® Card
* The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best card for cash back in choice categories
Key takeaways
5X
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.
5X
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice.
2X
2% cash back on one everyday category (like gas stations, grocery stores and restaurants).
1X
1% cash back on all other eligible purchases.
4.3/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for cash back in choice categories
Welcome bonus $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200 bonus
Annual fee
$0
Regular APR
19.49% – 29.74% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent/Good Credit
Why we picked it
The U.S. Bank Cash+ Visa Signature Card offers beginners a great way to earn cash back in the spending categories of their choice. Each quarter, users can select two spending categories from a range of options to earn 5% cash back on up to $2,000 spent (then 1% cash back). You’ll also earn 2% cash back in one everyday spending category of your choice each quarter (options are dining, groceries or gas station purchases) and 1% on all other eligible spending. Plus, you can earn 5% back on eligible prepaid travel reservations booked through U.S. Bank’s Rewards Travel Center. New users can also take advantage of a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.49% to 29.74%. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days.
+ Pros
- High rewards rate on select purchases
- Introductory 0% APR promotion (then 19.49% – 29.74% Variable)
- No annual fee
– Cons
- 5% bonus rewards rate is capped at $2,000 in spending each quarter
- Low base rewards rate
- Charges a foreign transaction fee
Highlights
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74%
- No Annual Fee
- Terms and conditions apply.
U.S. Bank Altitude® Go Visa Signature® Card
* The information for the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best card for dining rewards
Key takeaways
4X
Earn 4 points per dollar on dining, takeout, and restaurant delivery.
2X
Earn 2 points per dollar at grocery stores, grocery delivery, gas stations and on streaming services.
1X
Earn 1 point per dollar on all other eligible purchases.
4.5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for dining rewards
Welcome bonus Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
20,000 bonus points
Annual fee
$0
Regular APR
18.24% – 29.24% (Variable)
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent Credit
Why we picked it
The Altitude Go is a great choice for beginners who spend a lot on dining out and don’t want to pay an annual fee. You can earn 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations and 1 point per dollar on all other eligible purchases. This card also offers an easy-to-earn welcome bonus of 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.
+ Pros
- $15 annual credit on streaming services
- 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations and 1 point per dollar on all other eligible purchases
- Welcome bonus of 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening
– Cons
- No bonus on flights, hotels or other travel purchases
- U.S. Bank doesn’t have any travel transfer partners
- Low base rewards rate
Highlights
- Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
- 4 points per dollar spent on dining, takeout, and restaurant delivery
- 2 points per dollar spent on streaming services and a $15 credit for annual streaming purchases
- 2 points per dollar spent at grocery stores and delivery, gas stations, and EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024)
- 1 point per dollar spent on all other eligible purchases
- No annual fee
- Points never expire
Citi Premier® Card
Best beginner card for gas and dining
Key takeaways
3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels.
3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets.
1X
Earn 1 Point per $1 spent on all other purchases.
4.3/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best beginner card for gas and dining
On Citi’s Secure Website
Welcome bonus Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
Annual fee
$95
Regular APR
21.24% – 29.24% (Variable)
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
The Citi Premier Card earns 3 points per dollar spent at gas stations, air travel and other hotels, 3 points per dollar spent at restaurants and supermarkets,and 1 point per dollar spent on all other purchases. Travelers who don’t mind using Citi’s portal to book can get even more value with 10 points per dollar on eligible Citi Travel bookings through June 30, 2024. The card also offers an annual $100 discount on a hotel stay of $500 or more booked through thankyou.com, which can cover the card’s $95 annual fee on its own.
+ Pros
- Bonus rewards on everyday spending categories
- Flexible redemption options
- Annual hotel discount
– Cons
- Few notable travel benefits
- Low base rewards rate
- Charges a $95 annual fee
Highlights
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Wells Fargo Autograph℠ Card
Best card for phones
Key takeaways
3X
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.
1X
Plus, earn 1X points on other purchases.
4.6/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for phones
On Wells Fargo’s Secure Website
Welcome bonus Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
20,000 bonus points
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Good, Excellent
Why we picked it
The no annual fee Autograph Card has a lot to offer credit card newcomers, including strong rewards potential across several desirable spending categories. You’ll earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1 point per dollar on other purchases. This card also comes with up to $600 worth of cell phone protection if your phone is stolen or damaged, which is subject to a $25 deductible on up to two claims every 12 months.
+ Pros
- Welcome bonus is valued at $200
- 3x points on a wide range of spending categories
- No foreign transaction fee
– Cons
- Welcome bonus spend threshold of $1,000
- 12-month 0% intro APR (then 20.24%, 25.24%, or 29.99% Variable APR ongoing) does not include balance transfers and is shorter than some other offers
- Low base rewards rate
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Bank of America® Premium Rewards® credit card
Best travel card for beginners
Key takeaways
60K
Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
2X
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
Points
If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
4.8/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best travel card for beginners
On Bank of America’s Secure Website
Welcome bonus 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
60,000 points
Annual fee
$95
Regular APR
20.24% – 27.24% Variable APR on purchases and balance transfers
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Good, Excellent
Why we picked it
The Bank of America Premium Rewards is a great choice for those who are new to credit cards and want to reap travel rewards. While the card’s points earning rates are low compared to some rewards cards, members of the Bank of America Preferred Rewards program can earn up to 75% more points on their purchases. Points can be redeemed to put cash back in your pocket, help pay off your card balance, make travel purchases through the Bank of America Travel Center or add to your balance in eligible Bank of America and Merrill accounts.
+ Pros
- Up to $100 in annual airline incidental fee credits
- Global Entry or TSA PreCheck application fee credit
- Strong travel protections including emergency evacuation and transportation coverage
– Cons
- $95 annual fee
- No airline or hotel transfer partners
- Requires at least good credit to be considered
Highlights
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- Low $95 annual fee.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
U.S. Bank Altitude® Reserve Visa Infinite® Card
* The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best card for upscale travel perks
Key takeaways
5X
5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
3X
3X points for every $1 on eligible travel purchases and mobile wallet spending.
1X
1 point per dollar on other purchases.
5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best card for upscale travel perks
Welcome bonus Earn 50,000 bonus points after spending $4,500 in the first 90 days of account opening.
50,000 points
Annual fee
$400
Regular APR
22.24% – 29.24% variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent
Why we picked it
The U.S. Bank Altitude Reserve Infinite offers premium travel benefits with lucrative rewards and credits accessible to credit card beginners with solid credit history. Rewards-earning potential is high with 5 points per dollar on hotels and travel booked through the Altitude Rewards Center and 3 points per dollar on mobile wallet spending and other eligible travel purchases. Those rewards plus up to $325 in annual travel and dining credits help offset the steep $400 annual fee.
+ Pros
- Large statement credit for travel and dining
- High rewards earning potential
- High welcome bonus value
– Cons
- High annual fee
- Points aren’t transferable to other rewards programs
- High spending requirement for welcome bonus
Highlights
- Earn 50,000 points after spending $4,500 in the first 90 days of account opening
- Earn 5 points per dollar spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
- Earn 3 points for every $1 on eligible travel purchases and mobile wallet spending
- Earn 1 point per $1 spent on all other eligible net purchases
- Earn up to $325 in annual credits
Capital One Quicksilver Student Cash Rewards Credit Card
* The information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best beginner card for students
Key takeaways
1.5%
Earn unlimited 1.5% cash back on every purchase, every day.
$50
Early Spend Bonus: Earn $50 when you spend $100 in the first three months.
10%
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
4.1/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best beginner card for students
Welcome bonus Earn $50 when you spend $100 in the first three months.
$50
Annual fee
$0
Regular APR
19.99% – 29.99% (Variable)
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Average, Fair, Limited
Why we picked it
The Capital One Quicksilver Student (terms apply, see rates and fees) is a great beginner card for students who are building credit, with a simple earning rate of 1.5% cash back on all purchases. It charges no annual fee, and rewards can be redeemed as cash, credits toward your statement, credits on specific purchases or gift cards. While this card’s welcome bonus is paltry compared to others on this list ($50 cash bonus once you spend $100 on purchases within three months from account opening), the minimum spending requirement is relatively low, and student cards sometimes don’t offer welcome bonuses at all.
+ Pros
- Solid cash back rate on all purchases
- Offers a welcome bonus
- Comes with Uber and Uber Eat perks
– Cons
- May charge a high APR
- Welcome bonus is relatively small
- Requires some credit history
Highlights
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best business card for beginners
Key takeaways
1.5X
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
4.6/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best business card for beginners
On Bank of America Small Business New Account’s Secure Website
Welcome bonus Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
30,000 points
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent
Why we picked it
The Bank of America Business Advantage Travel Rewards is a great starter business credit card for those who want simplicity and flexibility when they earn and redeem rewards. You can earn 1.5 points per dollar on all purchases — no special spending categories to keep track of — and redeem your points against travel and dining purchases, as cash back, or as gift cards.
+ Pros
- $0 annual fee
- Strong welcome bonus offer
- No foreign transaction fees
– Cons
- Intro APR offer is shorter than personal version of the card
- Must be a Bank of America Preferred Rewards member to maximize rewards
- No bonus rewards categories
Highlights
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our picks at a glance
| Annual fee | Welcome bonus | Best for | Notable feature | |
|---|---|---|---|---|
Chase Freedom Unlimited® | $0 | Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back | Beginners | Competitive 0% introductory APR on purchases and balance transfers (followed by a 20.49% - 29.24% Variable APR) |
Chase Freedom Flex℠*The information for the Chase Freedom Flex℠ has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. * | $0 | $200 bonus after you spend $500 on purchases in your first three months from account opening | Rotating bonus categories | Competitive 0% introductory APR on purchases and balance transfers (then a 20.49% - 29.24% Variable APR) |
U.S. Bank Cash+® Visa Signature® Card*The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $0 | $200 rewards bonus after spending $1,000 on purchases in the first 120 days of account opening | Cash back in choice categories | Competitive 0% introductory APR on purchases and balance transfers (then a 19.49% - 29.74% Variable APR) |
U.S. Bank Altitude® Go Visa Signature® Card*The information for the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $0 | 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening | Dining rewards | $15 a year to cover eligible streaming service spending |
Citi Premier® Card | $95 | Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. | Gas and dining | $100 discount on one eligible hotel reservation booked through thankyou.com per year |
Wells Fargo Autograph℠ Card | $0 | 20,000 bonus points after spending $1,000 in purchases in the first three months | Phones | Up to $600 in cellular telephone protection coverage against damage or theft ($25 deductible) |
Bank of America® Premium Rewards® credit card | $95 | 60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening | Travel | Get reimbursed for qualifying airline charges and the application fee for TSA PreCheck or Global Entry |
U.S. Bank Altitude® Reserve Visa Infinite® Card*The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $400 | 50,000 points after spending $4,500 in the first 90 days of account opening | Upscale travel perks | $325 available to cover eligible travel and dining spending each year |
Capital One Quicksilver Student Cash Rewards Credit Card*The information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $0 | $50 cash bonus once you spend $100 on purchases within three months from account opening | Students | Easy-to-earn welcome bonus |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | $0 | 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening | Businesses | 0% introductory APR on purchases for the first nine billing cycles; after the intro APR offer ends, a variable APR that's currently 18.49% to 28.49% will apply |
How do credit cards work?
A credit card provides a line of credit called a credit limit that you can use to make purchases at your discretion. Those charges must be paid back in the future. Any money paid toward the balance of the card is then once again made available as credit. This is called revolving credit.
At the end of each billing cycle (typically about a month), you will receive a statement from your credit card issuer outlining your spending. Your statement will list a minimum required payment.
You can carry over any balance beyond that amount, but you should pay off balances in full as quickly as you can, rather than making minimum payments. Any balance carried over will typically be subject to interest charges, which are set by the card issuer and often vary based on your credit history.
What is the difference between secured and unsecured credit cards?
A secured credit card can make a great first credit card for a consumer starting with no credit or damaged credit. Secured cards require the card holder to make a minimum deposit upfront, whereas unsecured credit cards do not. The deposit for a secured credit card serves as collateral, enabling the issuer to take a risk on a credit newcomer or rebuilder. Deposits are generally refundable and equal to your credit line.
Why should I get a credit card?
A credit card can be a good tool to help build and maintain your credit score. When you use credit cards responsibly, you can increase your credit score, which can lead to better borrowing opportunities. Credit cards can also be used to finance large purchases or cover emergency expenses. Some credit cards have extensive rewards programs, allowing users to earn cash back, travel rewards and other perks.
How old do you have to be to get a credit card?
To get a credit card, you must be at least 21 years old, or at least 18 if you can prove independent income or have a qualified co-signer.
When should I get a credit card?
You should get a credit card when you’re in a financial position to manage it responsibly. Credit cards can help you manage your financial life, but if you miss payments and run a high balance, you could wind up in a much worse position than you would have if you’d stuck to cash and debit.
Is it okay to never have a credit card?
You aren’t required to have a credit card. That being said, credit cards have benefits that make them worthwhile for consumers who manage them responsibly. No particular number of credit cards is the right choice for everyone.
Tips for responsible credit card usage
- Pay off your balance. If you can, pay the full card balance each month to prevent interest from accruing. If you can’t pay the full balance, try to make more than the minimum payment to reduce the interest you’ll accrue as much as possible.
- Set up auto pay. If you have the option to set up automatic payments, doing so can help prevent late or missed payments, which can hurt your credit score and trigger a higher penalty APR on your card. Many cards also charge fees for late payments.
- Keep credit utilization low. Aim to keep your total credit card utilization — that is, the total outstanding balances of all your cards compared to your available credit — under 30%. Lower is even better, and higher utilization rates can hurt your credit score.
- Keep track of your charges. Check your monthly statements thoroughly to ensure your card hasn’t been used for fraudulent purchases.
Pros and cons of credit cards
Pros:
- Convenience. Using a credit card may be easier than carrying around cash or relying on a debit card.
- Security. Major credit card issuers often provide protection against fraudulent purchases. If you report your card as lost, your issuer can’t make you pay more than $50 for unauthorized charges under federal law.
- Rewards and benefits. Many of the best beginner cards earn rewards such as cash back or points. However, some rewards programs are more valuable than others. Be sure to evaluate these offerings when choosing a first credit card to determine which program works best for you. Consider factors including sign-up bonuses, annual credits and other high-value perks (cell phone protection, purchase protection, travel insurance, etc.).
Cons:
- High annual percentage rates (APRs). Your APR is the interest rate your card issuer charges you to borrow. If you plan to pay off your balance in full each month, this may not be a big deal to you. But if you think you’ll be carrying over balances on your card month to month, you may want to aim for the card with the lowest APR you can find.
- Potential for debt. Having access to a credit line can make it easier to spend more than you can afford to pay back. Carrying a credit card balance is expensive, so look to craft a budget that includes a savings plan.
- Potential for fees. Many credit cards have annual fees, but some of the best starter credit cards do not. Often, those with annual fees have perks that you might find offset that cost and make it worthwhile, so be sure to compare your options. Other fees to consider include foreign transaction and balance transfer fees.
Applying for your first credit card
Applying for a credit card involves providing personal and financial information including your Social Security number (SSN) or, sometimes, your individual taxpayer identification number (ITIN), your income and your employment status.
Before you apply, you should:
- Check your credit. Make sure you know your credit score and are aware of any blemishes in your credit history. You can likely check your score with your bank or card issuer.
- Research your options. Research a variety of credit cards for beginners to determine which ones fit your needs.
- Try to get preapproved. Some card issuers offer preapproval, which checks some aspects of your creditworthiness without affecting your credit score. This can give you an idea of what types of cards you are eligible for.
Why can’t I get approved for a credit card?
Reasons you might get turned down for a credit card include a poor credit score, low income and limited credit history. If your credit is frozen, make sure you unfreeze it so issuers can evaluate your application. After an application is rejected, keep an eye out for an “adverse action notice” explaining the issuer’s decision or telling you how to get an explanation.
Alternatives to credit cards
Credit cards can be convenient and secure ways to cover your daily expenses. Plus, you’ll often be able to earn something back on your spending through your card’s rewards.
In theory, you can use your credit card up to its credit limit to cover nearly anything. But an alternative borrowing option may make more sense, depending on your situation. Other lending products you might consider include:
- Personal loans. If you have strong credit, you’ll likely be eligible for interest rates on personal loans that are far lower than what you could get with a credit card. You can even opt to use a personal loan to consolidate higher interest credit card debt.
- Home equity loans or home equity lines of credit (HELOCs). If you own a home, you can tap into your equity for funding to cover expenses. Keep in mind that your home is the collateral for this kind of loan. That means you’re likely to see lower interest rates than on an unsecured loan or credit line, but it also means you risk foreclosure if you’re not able to make payments.
- Student loans. You can use student loans for much more than your tuition. If you’re considering opening a credit card to cover your textbooks or living expenses, evaluate your student loan options, too.
Methodology
Our money and data analytics teams evaluated over 70 beginner-friendly credit cards that are available to consumers. We then narrowed down our list of the best beginner credit cards by giving them a star rating out of five, based on the following factors and our editorial judgment:
Low credit score threshold (20%)
Cards that are available to the widest range of consumers and don’t necessarily require a stellar credit score got a boost in our rankings, while cards only available to folks with an excellent credit score (a FICO score of 800 or higher, or a VantageScore of 750 or more) lost points.
Variable APR (20%)
Considering the average credit card APR is over 20% nowadays, a credit card beginner might face difficulty paying off their credit card debt if a card’s APR is high. We gave cards with relatively lower APRs a boost in this category, while premium cards with higher APRs got marked down.
Rewards value (15%)
Earning rewards for your everyday purchases can help you save money or take trips for much less than the usual cost by redeeming travel rewards. We used spending data from the Bureau of Labor Statistics and estimates of rewards values from The Points Guy to determine which cards offer the highest potential rewards for regular consumers.
Sign-up bonus (15%)
Many cards offer sign-up bonuses after meeting a certain minimum spending requirement as an incentive to apply. Cards with larger welcome bonuses based on rewards valuations from The Points Guy were ranked more highly in this category.
Benefits and statement credits (15%)
Credit cards that offer an array of benefits — from purchase protections to annual statement credits to travel insurance — got a leg up in this category, while cards with few to no extras got marked down.
Fees (15%)
Credit card beginners may balk at paying an annual fee for a credit card, so cards with no annual fee receive better grades here. That said, annual fees aren’t entirely bad if you can get a value worth more than the yearly cost from a card’s benefits, but that can take time and effort. We also considered foreign transaction fees in our calculations, with cards that don’t add these fees taking higher ratings in this category.
What didn’t make the cut
- Discover it® Cash Back*The information for the Discover it® Cash Back has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . While this is another great card for beginners who want rotating cash back reward categories, we like the Chase Freedom Flex’s offerings a little better. Neither card has an annual fee.
- Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . (Terms apply, see rates and fees) This card was edged out by the Bank of America® Premium Rewards® credit card as our best travel card for beginners, but is very similar and worth consideration. Both cards have great rewards earning potential with a range of redemption options, and both charge an annual fee of $95.
Frequently asked questions (FAQs)
Many credit cards geared toward beginners offer rewards, such as cash back on purchases or points that can be redeemed for travel or dining. Rewards offered by cards for credit beginners may be more limited than those on other cards.
Some beginner credit cards have annual fees, though many do not. In many cases, cards that require annual fees offer rewards or other perks that may offset the cost of the fee. Before applying, you’ll want to research a card’s fees, rates and rewards to determine whether it’s worth the cost.
Credit score requirements for beginner credit cards run the gamut. Credit card beginners who have no established credit or whose credit score is considered poor (FICO score below 580) might consider pursuing a secured credit card. Secured cards require an upfront deposit as collateral, which reduces the lender’s risk. If you want a good starter card that includes rewards, many require at least a good credit score (FICO score of at least 670).
You are likely to have more opportunities to upgrade your credit card as your credit improves. Be sure to use your beginner credit card responsibly to build a strong credit history and score. Consider keeping your first credit card account open to maintain a lengthy credit history (the length of your credit history accounts for 15% of your FICO score).
Like most credit cards, you can use beginner credit cards internationally, but you may incur foreign transaction fees on your purchases. While some cards don’t charge foreign transaction fees, others may charge about 3% per transaction, so be sure to check your card’s terms before using it outside the US. Keep in mind that American Express and Discover tend to be less accepted than Visa and Mastercard internationally.
To view rates and fees for Capital One Quicksilver Student Cash Rewards Credit Card*The information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
To view rates and fees for Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
*The information for the following card(s) has been collected independently by CNN Underscored Money: Chase Freedom Flex℠*The information for the Chase Freedom Flex℠ has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , U.S. Bank Cash+® Visa Signature® Card*The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , U.S. Bank Altitude® Go Visa Signature® Card*The information for the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , U.S. Bank Altitude® Reserve Visa Infinite® Card*The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Capital One Quicksilver Student Cash Rewards Credit Card*The information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Capital One Quicksilver Student Cash Rewards Credit Card*The information for the Capital One Quicksilver Student Cash Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. and Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . The card details on this page have not been reviewed or provided by the card issuer.
