Credit Cards

Credit cards for new to credit: top 6 options

Here are the best credit cards for people that are new to credit. Find out more about their advantages, interest rates and when you should get them!

Advertisement

Get a credit card even if you are new to credit

We have selected some excellent options for credit cards for new to credit. Check it out below. Source: Adobe Stock.

How to get credit cards for new credit? Getting your first credit card can be a daunting task. In fact, not all credit bureaus are willing to try it the first time.

In other cases, you may end up with a bad credit card in your hand because you don’t understand anything about it. So, we’re here to help you take that first step. It is possible to acquire a first credit card that offers excellent advantages.

However, it is necessary to analyze and study each option well. Well, the hardest part has already been done for you. In fact, we scoured the market for the best credit options available.

In this way, the result was a list with varied options for you to choose the best one for your needs. Check the list of credit cards for new credits right now:

Wallet with red credit card on white computer keyboard

Wells Fargo Reflect℠ Card or Upgrade Cash Rewards Card: discover your best fit

If you're looking for a credit card with no annual fee and great benefits, you've come to the right place. Learn more about the Wells Fargo Reflect℠ Card and Upgrade Cash Rewards Card.

Are you new to credit? See what are the best credit cards available for you!

Closeup image of a woman holding and choosing credit card to use
Best credit cards for new to credit. Source: Adobe Stock.

Discover 6 excellent credit cards for new to credit and choose the one that best fits your profile. Keep reading!

Reflex Mastercard®

In lists of credit card options for beginners, Reflex Mastercard® always appears as a recommendation. One of its biggest advantages is the ease with which you can expand your access to credit.

When you sign up, you start with a limit of $300 to $1,000. If you make the first six balance payments on time, that’s it! Your credit limit will double! This card also responds to the three largest credit agencies in the country.

That way, it will be easy to build your credit, based on conscious usage. Below, see a table with the main advantages of this Reflex Mastercard®:

Credit ScoreFrom poor to good (300 to 719)
Annual FeeInitially between $75 and $99. After the first year, the fee remains fixed at $99.
Regular APRFrom 24.99% to 29.99% (variable)
Welcome bonusNone
RewardsNone

Chime® Debit Card

The Chime® Debit Card is an excellent option for anyone looking for a new credit card. Everything here is very easy: from the application process to use. Normally, within 2 minutes of the request, you will be answered.

Afterwards, you will be free of monthly fees, foreign transfer fees or transfer fees. In addition, you have the option to make purchases of up to $200 without balance and the possibility of advancing your salary.

In the table below, check out other advantages of this card:

Credit ScoreNo scoring restrictions
Annual Fee$0
Regular APR0,00%
Welcome bonusNone
RewardsNone

Chase Freedom® Student credit card

Chase Freedom® Student credit card is an option for the university public. Indeed, it has a great cashback program that includes all purchases. Thus, the rewards gained do not experience.

Also, it has some bonuses in addition to having a friendly limit increase policy. There is a $20 bonus every time your account completes one more year of “life” up to the fifth year, such a treat! Learn about other advantages of having this credit card:

Credit ScoreGood or excellent (from 670 to 850)
Annual Fee$0
Regular APR15.24% (variable)
Welcome bonus$50 on the first purchase made within three months of account opening.
RewardsUnlimited and untestable 1% cashback

Citi® Secured Mastercard®

Citi® Secured Mastercard® exists with a mission: to help you build or improve your credit. To fulfill this objective, it reports information to the three largest credit bureaus. So use it responsibly and watch the magic of boosting your credit score happen.

When approved, the agency will request a security deposit. From then on, your limit will always be equal to this value. The minimum is $200. Finally, it allows purchases anywhere on the planet where the Mastercard is accepted.

Want to know more? See the table below:

Credit ScoreAverage (from 630 to 689)
Annual Fee$0
Regular APR22.74% (variable)
Welcome bonusNone
RewardsNone

Surge Mastercard® Credit Card

In terms of terms and conditions, the Surge Mastercard® Credit Card is similar to the Reflex Mastercard®. In this way, all the advantages that we said for Reflex are also here. The difference may lie in the most effective credit rebuilding opportunity.

In fact, the Surge Mastercard® credit card is designed for people with bad credit scores. So, if you pay at least the minimum monthly balance, you can build your credit. See the table below for more information:

Credit ScoreFrom poor to good (300 to 719)
Annual FeeInitially between $75 and $99. After the first year, the fee remains fixed at $99.
Regular APRFrom 24.99% to 29.99% (variable)
Welcome bonusNone
RewardsNone

Discover it® Student Chrome

Close-up Of Pink Piggybank With Graduation Cap On Document
This Discover card is a great choice for students. With a great cashback program, you’ll be able to get a huge amount of rewards. Source: Adobe Stock.

Another excellent credit card option for students. Discover it® Student Chrome has a great cashback program, including a major initial update. Everything a student needs, right?

In addition to earning bonuses on purchases, you can have them convince their friends to apply for the same card as you. For emergencies or other situations, you can “turn off” your card.

So, without canceling it, you make any kind of transaction impossible. Finally, it is accepted in 99% of the US national territory.

Credit ScoreNo credit score required to apply
Annual Fee$0
Regular APRFrom 13.24% to 22.24% (variable)
Welcome bonusUnlimited cashback for the first year of using your card.
RewardsCashback of 2% on gas and restaurant expenses capped at $1,000 per quarter. Other purchases focus on 1% unlimited and immediate reward

That way, we close the list with the certainty that you present credit cards for new to credit. Here on the blog we have many other list contents similar to this one. You may be interested in other equally interesting list.

This post has very important options that can complete your analysis. Click on the link and continue with us.

credit bureaus

Credit cards for no credit: the bests fits your needs

Credit cards for no credit: check out a list of 6 excellent credit card options for those who still don't have credit (cashback of up to 10%).

Trending Topics

content

Credit cards for excellent credit: 5 options for a world of possibilities

Exclusive bonuses, rewards, and perks. Discover how to make the most of your excellent credit score: here are 5 cards for excellent credit.

Keep Reading
content

Tangerine World Mastercard® card: check out how to apply!

Apply for the Tangerine World Mastercard® card and get up to 2% cash back in categories of your choice and a 1.95% intro balance transfer fee.

Keep Reading
content

Is 700 a good credit score? (And how to improve it!)

Is 700 a good credit score? Find out how to get the most out of that credit score and how to make it even higher in an easy and fast way!

Keep Reading

You may also like

content

Applied Bank® Unsecured Classic Visa® credit card full review: should you get it?

Rely on the Applied Bank® Unsecured Classic Visa® credit card to build your credit, regardless of your current score. Know more!

Keep Reading
content

Apply for the LightStream Personal Loans and borrow up to $100K

Ready to apply for the LightStream Personal Loans? Explore the process and approval tips, and secure a loan with rates as low as 7.99%!

Keep Reading
content

Apply for Universal Credit Loan: No prepayment fees!

Do you need ways to get the best loan options with good terms? If so, you can read on to learn how to apply for Universal Credit Loan!

Keep Reading