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Best Credit Cards for Beginners

If you don't have much experience with credit, look for a credit card you're most likely to be approved for and one that will help you build your credit history responsibly. Before you apply, consider interest rates and fees. Plan to spend only what you can afford to pay off each month, and establish a good track record of making payments on time.

If you're really new to credit, a secured credit card—which requires a deposit that acts as your credit line—may be the best way to start.

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    Best Secured Card With Rewards and an Option to Upgrade


    Best Secured Card With a Low Deposit Amount

    This Card Is Right for You If:

    You're looking for a card that doesn't require a large deposit to activate. The Secured Mastercard® from Capital One offers an initial $200 credit line after you make a security deposit of $49, $99 or $200. You can also be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.

    Best No-Frills Unsecured Card for Fair Credit

    This Card Is Right for You If:

    You want a no-frills card from a major issuer and have little or fair credit history. You won't pay any annual or foreign transaction fees on this card, but you won't earn any rewards either. Keep in mind that the APR is on the higher side, so it's best if you don't carry a balance. You can also be considered for a higher credit line in as little as six months.

    This is also a good card if you're planning to travel abroad. It charges no foreign transaction fees, so you won't incur extra charges anywhere outside the U.S. If your card is lost or stolen, you'll have access to 24-hour travel assistance services to get an emergency replacement card and a cash advance. It also comes with rental car collision and theft insurance, as well as travel accident insurance.

    Best Unsecured Cash Back Card for Fair Credit

    This Card Is Right for You If:

    You want to earn cash back at a flat rate. With the Capital One QuicksilverOne Cash Rewards Credit Card, you get 1.5% cash back on every purchase, and there are no limits to how much you can earn. You do have to pay an annual fee, but it's only $39. If you spend at least $2,600 on the card in one year, you'll break even. It's also a good card to take abroad, because Capital One does not charge foreign transaction fees.

    Best Student Card for Fair Credit


    Best Secured Credit Card That Doesn't Require a Credit Check

    This Card Is Right for You If:

    You want to get a credit card that doesn't require a credit check. You'll pay a refundable deposit, starting as low as $200, which will serve as your credit limit. OpenSky reports payment history to all three major credit bureaus (Experian, TransUnion and Equifax), so you can build credit easily if you manage the card responsibly. The card does come with an annual fee, but it's a modest $35.

    Best Retail Perks Card for Fair Credit