7 Best Credit Cards for Beginners

credit cards for beginners

Are you new to credit and struggling to get a credit card? It might be hard to get one if you don’t have a good score. Therefore, it’s essential to choose the right cards with a higher chance of approval. With proper financial habits, like paying your bills in full and on time, you’ll increase your credit line, and upgrade to a credit card with cash rewards and fewer fees.

1) WebBank / Fingerhut Advantage Credit Account

  • No annual fee
  • Build your credit history
  • Low monthly payments


2) Surge Mastercard

Surge Mastercard
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required


3) OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.


4) Green Dot primor® Visa® Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details


5) Discover it Secured

  • No annual fee
  • Reports to all major credit bureaus
  • No late fee on your first late payment
  • No overlimit fee
  • Zero foreign transaction fees
  • 2% cash back in popular categories
  • 1% cash back on all other purchases

6) First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM
    locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri


7) Wells Fargo Cash Back College

  • No annual fee
  • 0% intro APR on purchases for 6 months
  • 3% cash back on gas, grocery and drugstore purchases for the first 6 months
  • 1% cash back on all other purchases
  • 3% foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.


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