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What should be my first credit card?

How to chose the first credit card



I can't tell you what should be your first card. That has to be your own decision. I can help you with ideas on where to start. I personally started with the Chase Freedom Credit Card. The reason why I started with this card is that I already had a checking account with them, and most banks will more easily approve you for a credit card even if you don't have any credit history.

For a secure credit card, you don't need a credit history or credit score, and it will build one for you. It may take up to six months. After that, you can apply for a regular credit card. The Capital One Platinum Secured Card or the Citi Secured Mastercard are great for that. Before applying, check if you are pre-approved. Most credit card companies allow you to check if you are pre-approved.

If you are a student, you should consider opening a student card. It is very easy to get approved. You just need to have a prof that you are in school or college with. You can look for the Chase Freedom Student Card or for the Discover Student Card. These two cards are the top two student credit cards.

To start with a good credit card, you should ask one of your family members or one of your friends to add you as an additional user on their credit card. After a month or two, you can apply by yourself for the card you choose. The American Express Blue Cash Card is a good choice to start with. They easily approve new card members.

Want more credit card options Click here to see more available credit cards from our partner Card Rating.

 

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