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First Credit Card

First Credit Card

Getting your first credit card can be a daunting task given the sheer number of options that exist. When considering your choices, remember that the best first credit card not only has the lowest fees and interest rates possible but also the highest likelihood of approval. Being declined can hurt your credit score and make getting a first credit card even harder. In order to help you apply for your first credit card, we compiled a list of credit cards tailored specifically to people with no credit history. Some of the cards below are labeled as secured credit cards. All this means is that you must place a refundable security deposit to open one. While you may think this is a bad thing, it actually makes your approval guaranteed. No matter how good a first credit card you end up with, better options will become available to you if you use your first credit card responsibly. So pay your bill on time and in full each month, and you will be able to leave your first credit card behind in no time.

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    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until August 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    3.5

    Capital One® Platinum Credit Card

    capital one standard platinum
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 24.9% (V)
    ANNUAL FEE $0 for 1st yr, $19 after
    REWARDS None
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    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
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    4

    Capital One® Classic Platinum Credit Card

    capital one classic platinum credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 20.9% (V)
    ANNUAL FEE $39
    REWARDS None
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    3

    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
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    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
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    3

    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $44
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 11.99% (V)
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

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    COMMUNITY DISCUSSION

    Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 22, 2014
    Photo of Dahlia L.
    By: Dahlia Lei
    I used the Capital One Secured Mastercard when I was younger because I had no credit history. It really helped build my credit. I just made sure I paid my bill in full every month. The one thing I don’t like is the annual fee. I wish it were free like some other credit cards.
    October 12, 2014
    Photo of Keri N.
    By: Keri Nichols
    I got my first credit card when I was 20 years old. I never had a credit card before and didn't even know I was applying for one till after I had the card. My dad helped me to establish credit when I was in college which was the reason I was accepted for the card. I had no idea how a credit card worked so I abused it pretty badly. I now have a secure credit card to help me build my credit. The fee was 25 dollars a year for the card but is completely worth it. Customer service is amazing and help you through everything. I don't more
    October 4, 2014
    Photo of Darnell C.
    By: Darnell Carey
    I got my first credit card from Wells Fargo when I was in college. My credit limit was only $500 and I don’t remember the APY but I was rather high. If I could change anything I would increase the credit limit and decrease the APY.
    August 26, 2014
    Photo of Joseph A.
    By: Joseph Alston
    I currently have only limited credit, so I had to get a special Visa card for people in my situation. It has a lot of restrictions on it, but I understand why. My experience with it has been good so far. I make sure I pay everything on time when I do use the card, and I make sure to keep my spending within my budget. The restrictions placed on this card goes a long way in doing that, so I'm grateful for that. I would get rid of the $40 monthly fee if I had to name one change I wanted to make. The card's low interest rate is more
    June 23, 2014
    Photo of Joseph B.
    By: Joseph Broski
    I had no credit history and was forced to resort to a secured card when I was younger. I had tried to apply for store cards beforehand due to their lower standards. Do not make the same mistake I did! All of those credit checks really hurt me when I should have just gone for the guaranteed option.
    April 15, 2014
    Photo of Tonya M.
    By: Tonya Millson
    I got my first credit card from Capital One. I had applied to many different companies but was always denied because I didn't have any credit history. I am a college student so I wanted to avoid paying any kind of annual fee. I looked into a secured credit card but I didn't have the money for one of those either. I felt pretty stuck because my denied applications weren't helping my case. Capital One offers a student credit card which I luckily was accepted for! My credit limit is very low but it gets the job done, that being establishing my credit score. My interest rate is very high more
    March 15, 2014
    Photo of William B.
    By: William Boffa
    I have a credit card that didn't require any credit history. I lived overseas at the time and it was a card with a low limit and only one small yearly fee, specifically intended as somebody's first credit card, allowing people to build their credit rating. It's been very useful to me and over the years it's allowed me to apply for higher limits and so on. The Capital One Secured Mastercard seems to fit a similar description, with no fees except for a yearly $29 fee.
    December 3, 2013
    Photo of Lisa P.
    By: Lisa Painter
    convenience and rewards.