What is the best credit card for beginners ?

For someone who is new to US credit, the best beginner credit card is usually a no-annual-fee card that is easy to manage, reports payments to all three major credit bureaus, and helps establish a positive credit history.

My first recommendation is to consider a secured credit card if you have no US credit history.

Best beginner credit cards

This credit builder card from Chase also pays 1.5%

1. Chase Freedom Rise

Best overall beginner card

$0 annual fee
1.5% cashback on purchases
No credit history required
No security deposit

Approval is not guaranteed.

NerdWallet+1
Official Chase website

Capital One Platinum Secured Credit Card Review: Build Credit With Low Deposit

2. Capital One Platinum Secured

$0 annual fee
Refundable security deposit
Designed for building credit
Official Capital One website
NerdWallet+1

Discover Secured Credit Card | Build Your Credit History

3. Discover it Secured

$0 annual fee
Cashback rewards
Refundable security deposit
Helps establish credit history
Official Discover website
Bankrate+1

Capital One Quicksilver Secured Cash Rewards card review: A great choice for improving credit with no annual fee

4. Capital One Quicksilver Secured

$0 annual fee
1.5% cashback on everyday purchases
Refundable security deposit
Official Capital One website
Bankrate

How to build an excellent credit score

Pay your statement balance in full every month.
Keep credit utilization below 10% if possible.
Never miss a payment.
Avoid applying for multiple cards at once.
Keep your oldest credit card account open if it has no annual fee.
Monitor your credit reports.

My suggestion

If you have no US credit history, start by checking eligibility for Chase Freedom Rise. If you cannot qualify for an unsecured card, consider a secured card.

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