If you’re new to credit, finding the right starter credit card can feel overwhelming. Luckily, there are several cards that are beginner-friendly—some don’t even require a credit history. Below are the top five options that balance ease of approval, low fees, and solid rewards for anyone just getting started.
1. Chase Freedom Unlimited – 1.5% Cash Back on Everything
The Chase Freedom Unlimited is a straightforward card: you earn 1.5% cash back on all purchases, with no annual fee. It also includes perks like extended warranty and purchase protection. However, Chase tends to approve applicants who already have some credit or a banking relationship. Also, don’t forget their 5/24 rule—you can’t have opened more than five credit cards in the last 24 months
As of April 2025, Chase is offering an $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
2. Discover it® Cash Back – 5% on Rotating Categories
This was actually my very first credit card, and it’s an excellent beginner pick. You’ll earn 5% cash back on rotating categories each quarter (like gas, Amazon, and groceries), and 1% on everything else. Plus, Discover matches all the cash back you earn in your first year—making it a no-brainer for people starting their credit journey.
3. Capital One Quicksilver One – 1.5% Unlimited Cash Back
This card is easier to qualify for than Chase cards and gives you 1.5% unlimited cash back on all purchases. It does have a small $39 annual fee, but if you’re trying to build credit and want to start earning rewards right away, it’s a solid option. Bonus: Capital One has a reputation for being beginner-friendly.
As of April 2025, Capital One is offering an one time bonus of $200 once you spend $500 of account opening.
4. Capital One Platinum Secured – No Rewards, Just Credit Building
If you have no credit or bad credit, this secured card is designed to help. While it doesn’t offer any rewards, it does help build your credit score. A refundable deposit is required—starting at $49, $99, or $200 depending on your creditworthiness. It reports to all three credit bureaus and has no annual fee.
5. Citi Double Cash Card – 2% Back (1% Spend, 1% Pay)
This is one of the best long-term credit cards you can get, offering 1% back when you spend and another 1% when you pay. While it’s now my go-to card for everyday spending, it’s a little harder to get approved for compared to others. When I first applied, Citi gave me a lower credit limit than other issuers, but once your credit is stronger, this card becomes a powerhouse.
As of April 2025, Citi is offering $200 after you spend $1,500 on purchases in the first 6 months of opening.
Final Thoughts
| Credit Card | Cash Back | Ease of Approval | Credit Building | Overall Rating |
|---|---|---|---|---|
| Chase Freedom Unlimited | ⭐⭐⭐⭐☆ (1.5% on all purchases) | ⭐⭐⭐☆☆ (Requires existing relationship) | ⭐⭐⭐⭐☆ (Great for beginners) | ⭐⭐⭐⭐☆ |
| Discover IT | ⭐⭐⭐⭐⭐ (5% on rotating categories, 1% on all else) | ⭐⭐⭐⭐☆ (Good for beginners) | ⭐⭐⭐⭐⭐ (Ideal for building credit) | ⭐⭐⭐⭐⭐ |
| Capital One Quicksilver | ⭐⭐⭐⭐☆ (1.5% flat cash back) | ⭐⭐⭐⭐☆ (Easy approval) | ⭐⭐⭐⭐☆ (Good for beginners) | ⭐⭐⭐⭐☆ |
| Capital One Platinum Secured | ⭐☆☆☆☆ (No cash back or perks) | ⭐⭐⭐⭐⭐ (No credit required) | ⭐⭐⭐⭐⭐ (Perfect for building credit) | ⭐⭐⭐⭐☆ |
| Citi Double Cash | ⭐⭐⭐⭐⭐ (2% cash back) | ⭐⭐⭐☆☆ (Stricter approval process) | ⭐⭐⭐⭐⭐ (Builds credit with ease) | ⭐⭐⭐⭐⭐ |
If you’re just starting out, focus on cards that offer decent rewards, no annual fees (if possible), and easier approval odds. Building credit is a marathon, not a sprint—so start with one of these beginner cards, use it responsibly, and upgrade over time.
Using a flat cash back credit card is a great way to get into the habit of using credit cards. Afterwards, you can start to get more advanced to stack credit card rewards for travel and other perks.
Still not sure which one to pick? Drop a comment below on what you think is the best card if you have any experience with credit cards. I also review credit cards and post tips regularly—subscribe to my newsletter to stay in the loop!
