Top 6 Best Credit Cards For Beginners 2023 (Including the BEST Credit Card For Beginners)

If you’re just starting your journey to build out your credit score and you want to know which credit cards are best to start with, well lucky for you I have your answers.

Hi, I’m Chris Winter and in this video, I’ll be listing down the top six best credit cards for beginners this 2023!

It’s easy to feel limitless with a credit card.

But if you’re new to the world of credit cards, having this feeling can be dangerous and can wind you up in debt!

In this video, not only will I suggest which credit cards are best for beginners, but also everything you want to watch out for when looking into credit cards!

Let me preface by saying I am no means a financial expert and you should always do your own research and due diligence.

As always, these videos are educational, informative, and for entertainment purposes only, but I’ll bet you’ll learn something new.

So What You Should Look for?

Before applying for a brand new credit card, there’s a couple of things you need to keep an eye on.

First, you’ll want low annual fees.

It’s easy to think that credit cards are an endless supply of money, but newbies should note that there’s a lot of fees involved in owning a credit card.

To lessen the financial burden on you, you’ll want a credit card that has a low or zero annual fee so it doesn’t hurt your pockets as much when the fees get deducted yearly.

Second, you’ll want low credit card fees.

There’s other things you pay for with your credit card like late payment fees, over the limit fees, foreign transaction fees if you’re traveling abroad, and annual percentage rates and balance transfer fees.

Sounds like fun right?

Wrong!

But it doesn’t have to cost a lot as long as you find a credit card provider with low credit card fees.

Third, you’ll want a credit card with your desired perks.

Each credit card provider offers different perks for their users.

This includes rewards for buying groceries, shopping, traveling, staying in hotels, and much more.

Make sure you do your research and find a credit card provider that suits your lifestyle to make the most out of your new plastic friend.

Let me know in the comments what your first purchase will be when you get your first credit card.

Now onto the six best credit cards for beginners!

If you have nothing recorded in traditional credit history, Tomo Credit Card is perfect for you since they don’t require credit history and will consider banking and other financial metrics for approval.

It has a $0 annual fee and as long as you have good enough financial standing, you can get approved pretty easily!

When you get approved, you get to enjoy 1% unlimited cash back on all eligible purchases!

There’s really no other perks, other than the 1% cash back on all purchases.

You do start building credit pretty easily as soon as your debts are paid.

You can’t go wrong with Tomo.

For those looking for one of the best options around, and it’s a slight step-up from beginners is Petal® 1 “No Annual Fee” Visa® Credit Card.

From its name, it has a $0 annual fee and doesn’t require any security deposit too!

It offers a handsome 2%-10% cash back at select merchants and does not charge foreign transaction fees and it offers rental car insurance coverage, making it a good credit card choice for those who like traveling.

The caveat is, you only get cash back at select merchants, but otherwise you can use this card to make any purchases within the US.

For beginners like yourself, it’s perfect for using to cover your basic expenses like gas and groceries

But be sure to check out which select merchants they partner with to fully maximize your rewards.


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I’m Chris Winter and on this channel I make finance videos on:
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