Looking for a credit card to build credit and earn rewards? Here are my TOP 7 PICKS for the BEST starter credit cards of 2023! Click “Show More” to see Ad Disclosure, links, and additional information below.
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00:00 – Intro
1:18 – True Beginner Cards
2:12 – Card #1
4:03 – Card #2
7:07 – Card #3
9:52 – Card #4
11:43 – Card #5
13:41 – Card #6
15:03 – Card #7
If you’re a beginner to credit cards and looking to build credit for the first time, you’ll likely want to begin with credit cards with easy approvals.
If you’re enrolled in a university, consider student credit cards by Capital One, Discover, and Bank of America. Otherwise, you can look into secured credit cards by the same banks (and also U.S. Bank).
My Top 7 Picks for the best beginner credit cards include the following:
1. Chase Freedom Rise – This is a really unique Chase credit card in that it’s designed for beginners (but it’s not exclusively for students and it’s not a secured credit card). You can increase your approvals chances by first opening a Chase checking account and having a balance of $250 or more. You can also earn a $25 bonus by enrolling in automatic payments and be eligible for a credit limit increase as soon as 6 months.
The following credit cards will likely be easier to get after building credit for about 1 year:
2. Chase Freedom Flex – This cash back credit card is excellent for rotating quarterly rewards that cover useful, everyday spend categories.
3. Capital One SavorOne Rewards – A great choice if you spend a lot at restaurants, supermarkets, and on entertainment.
4. Amex Blue Cash Everyday – Perhaps the best credit card for online shopping.
5. Discover it Cash Back – Another excellent card with rotating quarterly rewards in useful categories.
6. Bank of America Customized Cash Rewards – Choose your own 3% cash back category.
7. Citi Custom Cash – Automatically earn 5% in your top-spend category each billing cycle.
All of choices mentioned in this video are credit cards with NO annual fee, meaning they’re excellent long-term keeper cards as you build your credit score and credit history over the months and years to come.
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
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