Top 5 Beginner Credit Card to Start Building Credit

Building credit is important for your finances and your future. You won't be able to find a good rate for your loan when you are buying a new house or a new car. There are a lot of factors to consider when you first apply for your credit card. In this credit, I will personally list what I think is the best for a first credit card or good beginner credit card.

Disclaimer: I am not a financial advisor nor do I have any professional background in this type of information. This is for educational purposes only. Please do further research on this.

Discover It® Student Cash Back

• No credit score required to apply.
• INTRO OFFER: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
• NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
• No annual fee and build your credit with responsible use.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
• Click "Apply Now" to see terms and conditions.

Wells Fargo Active CashSM Card

• INTRO OFFER: Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months
• Plus, earn unlimited 2% cash rewards on purchases
• No annual fee
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 16.49%, 21.49% or 26.49%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee
• Click "Apply Now" to see terms and conditions.
• Recommended for Wellsfargo user

Petal® 1 “No Annual Fee” Visa® Credit Card

• No Intro Offer
• 2% - 10% cash back at select merchants
• No annual fee
• Variable APRs range from 21.49% - 30.99%
• Click "Apply Now" to see terms and conditions.

Bank of America Customized Cash Rewards

• INTRO OFFER: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly
• Earn 3% cash back in the category of your choice, like online shopping and then it is unlimited 1% cash back on all other purchases
• No annual fee
• 0% Intro APR† for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 15.49% to 25.49% will apply. A 3% fee (min $10) applies to all balance transfers.
• Click "Apply Now" to see terms and conditions.

Any Secured Credit Card

• Recommended: Discover it® Secured Credit Card

• INTRO OFFER: Unlimited Cashback Match
• Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.†† Plus, earn unlimited 1% cash back on all other purchases – automatically
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200
• Click "Apply Now" to see more information