Ad Disclosure

First Credit Card

4.0 4.0 - 3,997 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 2015No Transfer 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 gold credit 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


    first progress secured credit card
    • 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
    • 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


    first progress mastercard secured credit card
    • 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
    I Want


     
    Based on your other criteria:
    No cards have a Regular
    Rate below %.
     

    Credit Card Networks


    Annual Fees
    Fewer Filters
    Balance Transfer Fee?



    Foreign Transaction Fee?



    Smart Chip Technology

    Suggested Credit Card Pages Recently Viewed Credit Cards
    • None
    Share this page:

    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.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    COMMUNITY DISCUSSION

    Ask a question or help others find the best credit card by sharing some tips.

     
    Dec 15, 2014
    By:
    Dec 15, 2014
    I would recommend the Capital One QuicksilverOne Cash Rewards Credit Card for first time card users. The 0% purchases and transfers fee is very attractive and it lasts until September 2015. You also get cash back which is pretty nice.
    Oct 8, 2014
    By:
    Oct 8, 2014
    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.
    Sep 21, 2014
    By:
    Sep 21, 2014
    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.
    Aug 29, 2014
    By:
    Aug 29, 2014
    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.
    Jul 23, 2014
    By:
    Jul 23, 2014
    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.
    Jun 26, 2014
    By:
    Jun 26, 2014
    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.
    Dec 9, 2014
    Photo of Jennifer B.
    Dec 9, 2014
    I too built my credit this way. This enabled me to get my first mortgage at the age of 21. I was also able to get a reasonable car loan because of this. I think the only caution here is only buy things that you know you will be able to pay off at the end of the month. Other wise the interest can add up and you may find that you ruined your credit instead of building it up.
    Jun 10, 2014
    By:
    Jun 10, 2014
    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.
    Jun 3, 2014
    By:
    Jun 3, 2014
    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
    By:
    May 27, 2014
    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
    By:
    May 21, 2014
    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
    By:
    May 7, 2014
    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
    Apr 15, 2014
    By:
    Apr 15, 2014
    My first credit card was a Visa through Suntrust Bank. It was a very basic credit card, and it had a limit of $300 starting out, which wasn’t ideal but I could make do with it given my expenses. I generally paid cash for most items but I used my card for around $150 per month just to start getting my credit rating in the right direction. After a year my limit increased to $1000 which was more than enough for anything I ever needed. Despite the boosted credit limit I don’t think I ever exceeded the $300 limit, either out of habit or paranoia.
    Apr 1, 2014
    By:
    Apr 1, 2014
    My very first credit card was a BOA secured CC. I paid $300 and that was my limit for it for the first 12 months I had it. Around December, it was unsecured and my CL was boosted to about $2.5k! Although it isn't feature rich, it's a great step in learning how to responsibly manage your credit.
    Mar 29, 2014
    By:
    Mar 29, 2014
    I got my first credit card at 18. It was a Washington Mutual Student card with a pretty high allowance of $1000. There was a period of 0% interest, I think 6 months. I did not have much experience with credit cards at the time, but the online tools that were offered were very helpful and I got my monthly statements in my email so I could easily keep track of them. I did not know much about what to look for since it was my first, but the letter in the mail that said I was pre-approved and the 0% interest was what got me to choose the card. more
    Mar 21, 2014
    By:
    Mar 21, 2014
    I got my first credit card when I was 19 years old and it was a store-specific one, from J.C. Penney. I didn't know much about building up credit since my parents had always used cash or checks so I was flying blind and seduced by one of those "sign up for a card immediately" stands inside the store. It was not a good idea; I hadn't done any research (pre-internet days) so even though it had a small limit of $300, the fees and rates made it hard to keep up with payments. Now I wish that I had done some research and gotten a secured credit card like more
    Page: 1 · 2
    Credit Cards Prepaid Cards Gift Cards Tools