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Cards for Beginners ?

US Beginner-friendly credit cards

*Terms can vary.

If you're completely new to credit

Chase Freedom Rise can be a useful starting point if you have little or no credit history. Student cards are another route if you're enrolled in college.

If you don't have enough credit history

A secured card can be easier to obtain. For example, Capital One Platinum Secured currently has a $0 annual fee and can require a refundable deposit of $49, $99, or $200, depending on the application.

If you're a student

Discover it Student Chrome and Discover it Student Cash Back are specifically designed for students and don't require an established FICO history. They also have $0 annual fees and report payment activity to the three major credit bureaus.

Beginner strategy

1. Start with one card, not several.
2. Keep utilization relatively low.
3. Turn on automatic payments.
4. Ideally pay the full statement balance every month.
5. After building a positive history, consider applying for a regular unsecured rewards or cashback card.

Simple choices:

• No credit + student: Discover it Student Cash Back
• No credit + not a student: Chase Freedom Rise
• Want a secured card: Capital One Platinum Secured
• Want cashback while building credit: Capital One Quicksilver Secured
• No credit check: Current Build Card

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