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First Credit Card

4.0 4.0 - 3,954 reviews for top rated 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.…show more

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 2015None Fee
    • Regular Rate 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $39
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1.5% cash back
    • 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

    Capital One® Platinum Credit Card


    capital one standard platinum
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $19 after
    • Rewards None

    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)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site
    • Annual Fee $39
    • Rewards None

    Primor® Secured Visa Gold Credit Card


    primor secured visa gold card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $49
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.99% (V)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site

    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)
    Apply Now at issuer's secure site
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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 8, 2014
    Photo of Elke D.
    By:
    I started building credit with a credit card from FirstBank One with Union Bank. It was the first credit card I owned. I also co-signed a car loan with my mom. This helped me build credit since I did not have any credit history back then. I made sure we paid on time every month until we had the car paid in full.
    September 21, 2014
    Photo of Marino J.
    By:
    I would recommend the Journey Student Rewards from Capital One for those who are just starting out with a credit card. You get 1% cash back and there is no annual fee. It’s ideal for those who don’t much credit history.
    August 29, 2014
    Photo of Sean B.
    By:
    I applied for my first credit card at a local bank where I had had a checking account for about a year. It was a very basic card with low interest. It had a $30 monthly payment. I tried to only use it for things like groceries and home goods, and I only purchased when I knew I had the cash to back it up. My goal was to improve my credit. I also used it in a few emergencies when I badly needed gas or diapers but my paycheck hadn't made it yet.
    July 23, 2014
    Photo of Jenny G.
    By:
    My first credit card was a Discover account geared specifically towards college students. It had a reasonable credit limit, and the interest rate was low. I thought this card was particularly good because they didn't change the terms once I graduated from college. When I eventually needed help from customer service, however, I found them to be not very helpful. It's why I do not continue to have a Discover Card today.
    June 26, 2014
    Photo of Deight G.
    By:
    I started building credit by opening up a student visa card when I turned 18. I would use it on purchases, and then pay off the monthly balance each month, and never paid interest. It was a great way to build credit, and today I have an excellent credit score.
    June 10, 2014
    Photo of Tim S.
    By:
    My first card was the Discover Student Card (Now I believe it is the Discover It Card). I got a 6 month no interest introductory rate and you get 1% cash back on everything and 5% back on select categories that change each quarter. Also, if you shop through their online mall you can get even more cash back. The rewards really add up if you pay off the card each month. It's a good way to build your credit, and it's a great first credit card for those you do not have enough credit built up to get other cards.
    June 3, 2014
    Photo of Chad K.
    By:
    For someone just starting out, I would recommend a card like the Chase Freedom card. I would say that it's safe to say that someone just starting to build their credit would be younger and perhaps still in college. This card offers cash back for everything purchased and is a good starter card. When I was in college, I started with a gas card, but a credit card is just as good. Keep the limit low and be sure to pay off the balance.
    May 27, 2014
    Photo of Cyrus K.
    By:
    The Capital One Platinum credit card is what I'm using to build my credit. The Capital One app works very well for me to check out both my credit card info, but also my Capital One 360 bank account. I fully recommend it.
    May 21, 2014
    Photo of Jay S.
    By:
    For someone just starting to build their credit, I would recommend the Capital One Classic Platinum Credit Card. A starter card for building credit should be easy to use and offer great security. With Capital One, it's easy to track your account information online, along with great fraud protection, and good customer service so nothing goes wrong.
    May 7, 2014
    Photo of Bridgett G.
    By:
    If you can get the Capital One Classic or Platinum card it is better than the secured and better than a lot of the other cards out there. Capital One is one of the very that seem to give those with poor or no credit a chance at an unsecured card. There is no fee for the first year on the platinum and it's only $19 a year after that. The interest is higher on all of Capital One's cards, but these should really only be used to build credit and then paid off on time anyway. I wouldn't suggest it to someone who is going to be using it more
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