First Credit Card? Start Here.
No jargon. No tricks. Just the basics you need to pick a great first card and start building credit.
Take Our 67-Second QuizThree Things to Know
Checking won't hurt you
Browsing and comparing cards has zero impact on your credit score.
Start with no-fee cards
Your first card should have $0 annual fee. Save premium cards for later.
Pay in full every month
This single habit builds credit fast and avoids interest charges entirely.
Our Top Starter Cards
#1
Bank of America® Customized Cash Rewards for Students
4.0/5
Bank Of America · Fee: $0
Student card with 3% cash back in a category you choose, 2% at grocery stores, and 1% on all other purchases.
#2
Capital One SavorOne Student Cash Rewards
3.8/5
Capital One · Fee: $0
Student card earning 8% on Capital One Entertainment, 3% on dining, entertainment, grocery, and streaming, plus a $50 bonus.
Frequently Asked Questions
Will applying for a credit card hurt my score?▼
A hard inquiry may lower your score by a few points temporarily, but responsible card use builds credit over time.
What credit score do I need for my first card?▼
Some starter cards accept applicants with no credit history. Secured cards and student cards are designed for beginners.
Should I get a secured or unsecured card?▼
If you have no credit history, a secured card (backed by a deposit) is often the easiest path. Student cards are also accessible.
How do I build credit with a credit card?▼
Pay your full balance on time every month, keep utilization below 30%, and avoid opening too many accounts at once.
What is a good first credit card?▼
Look for no annual fee, rewards on everyday spending, and a low credit requirement. Our top picks are listed above.