18 Best Credit Cards For Beginners 2022
18 Best Credit Cards For Beginners 2022
18 Best Credit Cards For Beginners in 2022, If you want to get your first credit card, some of the best options you can go for include:
1. Chase Freedom Flex℠
This is one of the best credit cards for international travel and among the best credit card for travel miles. The Chase Freedom FlexSM, which debuted in late 2020, is a relative newcomer to the field. It can earn significant Chase Ultimate Rewards points when linked with a premium Chase Ultimate Rewards-earning card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. It’s difficult to top even as a stand-alone cash back card.
2. Citi® Double Cash Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. The Citi® Double Cash Card is a wonderful option if you want a straightforward cashback card. There are no limits or categories to keep track of, so you will get a flat amount of cashback on each purchase. If you also have a Citi Premier® Card or Citi Prestige® Card, you can convert your rewards to ThankYou points, which can then be transferred to airline miles.
3. The United ClubSM Infinite Card
This is one of the best credit cards for international travel and among the best credit card for travel miles. If you are a frequent United flyer, especially if you value access to United Club lounges, the United ClubSM Infinite Card may be the card for you. Even if you don’t value any of the card’s other perks, this card is an excellent way to gain access to United Club lounges. Earn 75,000 bonus miles after spending $3,000 on purchases within the first three months of account opening.
4. The American Express® Gold Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. Look no further than the American Express® Gold Card if you are a foodie. This card gives you extra Membership Rewards points when you shop at restaurants and supermarkets in the United States. This is great news for foodies who want to boost their points balance rapidly.
5. The Platinum Card® from American Express
This is one of the best credit cards for international travel and among the best credit card for travel miles. The Platinum Card® from American Express is a good choice if you want a luxury travel experience, especially if you want access to a variety of airport lounges. It also comes with a slew of other benefits and perks.
6. The Chase Sapphire Preferred® Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. This is one of the best credit cards for international travel and among the best credit card for travel miles. The Chase Sapphire Preferred® Card may be an excellent place to start if you want to enter into the Chase ecosystem but the Chase Sapphire Reserve® Card’s annual fee scares you away.
7. Chase Sapphire Reserve® Card
This is one of the best credit cards for international travel and among the best credit card for travel miles. Non-refundable parts of many trips, such as hotel or prepayment tour arrangements, are tied to specific dates. You could lose a lot of money if your trip is disrupted or cancelled. The Chase Sapphire Reserve® card includes trip cancellation and interruption insurance for covered scenarios, trip delay insurance, lost baggage and baggage delay insurance, main rental car insurance, and more, in addition to the chance to earn valuable points on transactions.
8. Bank of America® Travel Rewards Card for Students
This is one of the best credit cards for international travel and among the best credit card for travel miles. If you are a student looking for the best credit cards for beginners, the Bank of America® Travel Rewards credit card for Students is a good place to begin. It provides good rewards and a welcome bonus but does not require you to pay an annual fee.
9. Delta SkyMiles® Reserve American Express Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. Reserve American Express Card is not the best option for booking all flights, it is one of the best credit cards for beginners in terms of flights due to the welcome bonus and its comprehensive set of additional benefits.
10. The World of Hyatt Credit Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. If you want to get more perks at hotels but don’t want to spend the money on the Hilton Honors Aspire Card from American Express, the World of Hyatt Credit Card is a good option. This card does not have a high annual fee and still provides a free night certificate for a category 1-4 hotel and a basic level of Hyatt status each year.
11. Amazon Prime Rewards Visa Signature Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. The Amazon Prime Rewards Visa Signature Card has consistently been good. Because of the recent increase in our reliance on Amazon for daily needs, it’s a great one. If you spend the majority of your shopping dollars with Amazon, you might as well be rewarded for it.
12. Discover it® Secured Credit Card
If you’re looking to get your first credit card, this is one of the best starter credit cards for beginners. If you are new to credit or have previously made credit mistakes, you may require a secured card to help build or rebuild your credit. If you are approved, Discover will provide you with an equal credit line in exchange for a security deposit. Most secured credit cards do this, but Discover it® Secured goes a step further by including rewards. Earn 2% cash back at restaurants and gas stations on up to $1,000 in purchases per quarter, and 1% cashback on all other purchases.
18 Best Credit Cards For Beginners 2022
The best first credit card for you will depend on your goals and circumstances. In any circumstance, it’s best to choose a card that reports to all three credit bureaus so your good payment behavior can help you lay the foundation for a higher credit score across all three credit bureaus.
It’s definitely possible to get a credit card if you don’t have previous credit history. Your best bet is to apply for a secured card, which requires you to put down a security deposit that serves as your credit limit. If you’re a student, we’d suggest opening a student card like the Discover it® Student Cash Back. Once you’ve established credit history with a secured or student card, you can move on to a cashback, rewards or travel credit card.
At a minimum, you will need either employment or proof of income if you are under 21. If you are 21 or older employment is not technically required but it will be more difficult to get a credit card without a source of income. Here’s what you need to have when you apply for a credit card.
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