Building Credit from Zero: A Practical Guide to the Best Credit Cards for First-Timers

Starting your credit journey doesn’t require an existing credit score. Whether you’re establishing credit for the first time or rebuilding from scratch, finding the best credit card for first timers is the crucial first step.

The Foundation: Cards Requiring No Credit History

Discover it® Secured Credit Card

If you have zero credit background, secured credit cards are your gateway. The Discover it® Secured Credit Card stands out in this category because it breaks the mold of traditional secured offerings. Here’s what makes it special:

A security deposit is required to activate the card, but this isn’t a hidden fee—it’s simply collateral that protects the issuer while they approve applicants with no credit track record. Once you’ve demonstrated responsible usage, you’ll get this deposit back.

What separates this card from typical secured options is that you actually earn rewards. You’ll accumulate cash back on purchases while building your credit file. There’s also a welcome bonus to take advantage of during your first months. Most importantly, there’s zero annual fee—a significant advantage when you’re just starting out.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

Need a best credit card for first timers that doesn’t demand a security deposit? Petal takes a different approach entirely. Instead of requiring a credit score or security deposit, this card examines your banking history. The system verifies whether you consistently pay your bills on time, then makes approval decisions based on that evidence.

The fee structure is refreshingly simple: no annual charges, no foreign transaction penalties, and no late fees. You’ll also earn cash back as you spend, giving you immediate value while you establish your financial record.

The Next Phase: Moderate Credit Requirements

Amazon Rewards Visa Signature Card

For shoppers integrated into the Amazon ecosystem, this card provides dual benefits. You build your credit history while earning substantial cash back on purchases. The approval threshold is notably more lenient than premium cards—applicants with a FICO® Score around 640 or higher typically qualify.

Amazon shoppers with Prime memberships have access to an upgraded version offering enhanced cash back percentages, making it particularly valuable if you’re already paying for Prime membership.

Chase Freedom Flex℠

Once you’ve spent a year or two building your credit foundation, the Chase Freedom Flex℠ becomes accessible. This card represents the step up from beginner options:

• Substantial welcome bonus with manageable spending requirements
• Multi-category bonus cash back opportunities
• 0% introductory APR period
• No annual fee

The catch: Chase typically targets applicants with FICO® Scores above 670, meaning it’s better positioned after you’ve established some credit history rather than as a true first-timer option.

Citi® Double Cash Card – 18 Month BT Offer

This card appeals to those with moderate credit development. The earning structure is straightforward: 2% cash back split between purchase and payment periods. Additional features include:

• A welcome bonus for new cardholders
• Zero annual fee
• 0% introductory APR on balance transfers

Similar to Chase’s offering, you’ll typically need a FICO® Score above 670 to qualify, making this better suited for established beginners rather than those starting entirely from scratch.

Additional Considerations

Two cards that Graham Stephan mentioned in his research also deserve attention for applicants with good credit:

The Blue Cash Everyday® Card from American Express emphasizes grocery stores, gas stations, and online retail purchases with bonus cash back rates across these categories.

The Bank of America® Customized Cash Rewards credit card lets you select a specific spending category to earn bonus cash back on monthly purchases.

Your Roadmap Forward

Your starting point depends on your current financial standing. If you’re establishing credit from zero, concentrate on cards like the Discover Secured or Petal options. Both serve as genuine entry points without requiring existing credit history.

Once you’ve maintained responsible card usage for 12-24 months and watched your credit profile develop, you’ll qualify for premium options that offer better rewards and benefits. This progression—starting with a best credit card for first timers and advancing as your credit strengthens—creates a practical path toward financial flexibility and better borrowing terms down the road.