Building Credit for the First Time? Here Are 8 Starter Cards to Consider
If you're new to credit cards, finding one that's right for you — and getting approved — might feel like a monumental task. However, if you want to build your credit score, it's a good idea to
get a credit card. Responsible spending is reported to credit bureaus and can be a big help when you need to rent an apartment, buy a car, or apply for a mortgage.
The good news is, credit card companies recognize that everyone has to start somewhere and offer beginner-friendly options, like secured cards, student cards, and cards that evaluate your income rather than your credit history. While these starter cards may have lower credit limits or fewer premium perks compared to cards for people with higher incomes or established credit, they can help you build credit safely and successfully.
In this guide, you'll learn about what credit cards are good for beginners, what to look for in a first card, and how to use credit cards responsibly.
Types of credit cards for beginners
Here are three types of credit cards that are most suitable if you’re just starting to build credit:
Secured credit cards. These cards require a refundable security deposit and are ideal for those with no or poor credit history. They work like traditional cards but limit your risk while helping you build a positive credit history. Because you can only spend up to the amount of your deposit, there's less danger of going into unmanageable debt, making them a safer way to learn responsible credit use.
Student credit cards. Designed with college students in mind, these cards typically have low credit limits, but usually offer flexible approval criteria and no annual fees. Because banks are keen to build brand loyalty with students, who may go on to become high earners, they typically offer reward programs, like cash back, to entice new borrowers.
Credit cards with lower credit score requirements. Some credit cards are designed for people with low credit scores. But if you have a fair credit score, you may be able to find a better deal if you look for cards that require
a credit score of 580 or higher.
What to look for in your first credit card
If you're looking to land your first credit card, it's completely normal to feel unsure about what features to prioritize. But knowing what to look for can make the process a lot less intimidating. A good first card doesn’t need to be flashy — it just needs to have the right features to help you build credit safely and effectively. Here's a rundown on what aspects to focus on:
Low or no annual fees. Many beginner cards come with no annual fee, which makes them cost-effective while you learn how to use credit responsibly. Avoid cards that charge a fee unless the benefits outweigh the costs.
Reports to all major credit bureaus. Make sure the card issuer reports your payment history to Experian, Equifax, and TransUnion. This ensures that your responsible behavior is reflected in your credit score.
Reasonable APR and fees. While you should always aim to pay off your balance in full, look for cards with a competitive annual percentage rate (APR) in case you need to carry a small balance. Also, check for hidden fees such as foreign transaction fees or late payment penalties.
Rewards programs for everyday purchases. Earning rewards can make your first credit card feel more worthwhile. Look for simple and accessible rewards programs, such as 1% cash back on all purchases or extra rewards for categories like groceries or gas.
Introductory APR offers. Some credit cards offer a
0% APR for an introductory period.
Path to upgrade. Some credit card issuers offer the ability to upgrade to an unsecured or more rewarding card after several months of responsible use.
User-friendly mobile app. A well-designed mobile app makes it easier to manage your card, view your balance, make payments, and monitor spending habits.
Credit-building tools. Some beginner cards come with free access to credit monitoring tools, spending alerts, and educational resources. These tools can help you track your progress and stay on top of your financial goals. You can also do this with
EarnIn Credit Monitoring.
8 credit cards to choose from to build your credit
First credit cards are designed for
credit building. Check out these eight starter cards and what they have to offer to see which may be right for you.
Annual fee: $0
APR: 27.24%
Eligibility requirements: No credit score requirements; refundable security deposit required.
Rewards: 2% cash back at gas stations and restaurants; 1% cash back on all other purchases.
Reports to all major credit bureaus? Yes
Mobile app? Yes
Annual fee: $0
APR: 19.24% - 29.24%
Eligibility requirements: Available to students only.
Rewards & bonuses: Quicksilver gives you 1.5% cash back on all purchases; and SavorOne gives you 3% cash back on groceries, entertainment, and eating out, and 1% cash back on all other purchases. Both cards offer a one-time introductory $50 cash bonus, subject to specific conditions.
Reports to all major credit Bureaus? Yes
Mobile app? Yes
Annual fee: 0%
APR: 25.99% (variable APR)
Eligibility requirements: No credit score requirements; having a Chase checking or savings account with a balance of $250 or more could increase your approval chances.
Rewards & bonuses: 1.5% cash back on all purchases
Reports to all major credit bureaus? Yes
Mobile app? Yes
Annual fee: $0
APR: 25.24%
Eligibility requirements: No credit score requirements; a security deposit of between $200 and $5,000 is required.
Rewards & bonuses: None
Reports to all major credit bureaus? Yes
Mobile app? Yes
Citi Double Cash® Card: This card is a good option if you have a bit of credit history. The Citi Double Cash® Card is available to applicants with a fair credit score.
Annual fee: $0
APR: 18.24% - 28.24% (0% APR for the first 18 months)
Eligibility requirements: FICO Score of 580
Rewards & bonuses: 1% cash back on all purchases, plus another 1% when the purchase is paid off.
Reports to all major credit bureaus? Yes
Mobile app? Yes
Petal 1 Credit Card: Unlike traditional cards, the Petal 1 evaluates your income and spending, making it ideal if you don’t have a credit history. It also offers high cash-back potential with select retailers.
Annual fee: $0
APR: 28.99% - 33.99%
Eligibility requirements: No credit score requirements, but you'll need to meet Petal's own criteria for creditworthiness based on your income and spending.
Rewards & bonuses: Up to 10% cash back at select merchants
Reports to all major credit bureaus? Yes
Mobile app? Yes
OpenSky Launch Visa: This Visa is a secured credit card for building your credit that only needs a $100 deposit. With an 89% approval rate, it's a good choice if your credit rating is poor.
Annual fee: $2
APR: 28.99%
Eligibility requirements: No credit score requirements; refundable security deposit required.
Rewards & bonuses: Up to 10% cash back on selected purchases.
Reports to all major credit bureaus? Yes
Mobile app? Yes
What you’ll need to apply for your first credit card
Before you apply for your first credit card, gather the following basic personal and financial information. Card issuers require proof of your identity, such as a government-issued ID like a driver’s license or passport, along with your current contact information, like address, email, and phone number.
Depending on the card, you may also need to show that you have a source of income, such as pay stubs, W-2 forms, or documentation of scholarships or parental support if you're a student. Some credit cards, particularly secured ones, may also require bank account information if a deposit is needed. And finally, make sure you meet the age requirement: You must be at least 18 years old, or 21 if you don’t have independent income.
Having these details ready can make your application process smoother and help boost your chances of approval.
Tips for building credit responsibly
Getting a credit card is only the first step on your journey. The next would be
to build your credit score. Follow the strategies below for guidance.
Always pay at least the minimum amount due by your due date to avoid late fees and protect your credit score.
Try to use no more than 30% of your available credit to demonstrate to lenders that you can manage credit responsibly.
Paying your full balance each month helps you avoid costly interest and keeps your debt in check.
Review your credit reports for mistakes that could negatively affect your score and dispute any inaccuracies.
Track your credit score with EarnIn
Getting your first credit card is just the beginning of your financial journey. As you build your credit,
EarnIn’s Credit Monitoring can help you stay on track.
With EarnIn, you can access your credit score, monitor your credit usage, and receive alerts if there are any major changes. Using EarnIn's Credit Monitoringmeans you’ll always know where you stand and can make confident financial decisions every step of the way.
FAQs
What is the easiest credit card to get with no credit?
There’s no one-size-fits-all answer, as the easiest card for you will depend on your individual situation, such as whether you’re a student, have a steady income, or already have a bank account with a specific issuer. Secured cards are usually the easiest option for beginners with no credit history.
Should you start out with a secured credit card?
A secured credit card is one of the most accessible and reliable ways to begin building credit, especially if you have little or no credit history. However, it's not the only option. Student cards, beginner rewards cards, and cards that evaluate income instead of credit score may also be a good fit — depending on your circumstances.
How much should you spend using your first credit card?
Keep your spending below 30% of your credit limit. Use it for small, regular purchases, like gas or groceries, and
pay off the balance in full each month.
Will a first credit card affect your credit score right away?
Not instantly, but fairly quickly. Your credit score won’t change the moment you're approved. It will update once your new account is reported to the credit bureaus, which typically happens within a couple of months.
Please note, the material collected in this post is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or services.
This Blog was sponsored by EarnIn. While the author received compensation, the information shared is grounded in independent research and intended to provide helpful and accurate guidance to readers.
EarnIn is a financial technology company, not a bank. Banking services are provided by our bank partners on certain products other than Cash Out.
Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0.
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