The 5 BEST Credit Cards For Beginners In 2023

"keep doing that consistently and in about 18 to 24 months, assuming you pay off your bill on time in full. You should have a credit score between 740 and 780"

"a credit score between 740 and 780, which is going to give you the lowest interest rates anytime you want to leverage your money. Get a loan, rent an apartment, lease a car, or do anything really."

"within a few years, a perfect 800 credit score is absolutely possible."

"Discover also gives you what most secured cards won't, and that would be rewards. Now, I'm not going to lie, it's not like these rewards are incredible or anything like that, but hey, you know what? For someone just starting out, anything is something, and it does add up. In this case, your secured credit card is going to give you 2% cash back on gas stations and restaurants, and you will get unlimited 1% cash back on everything else. They've also been running a promotion where they will match your cash back in the first year. So, this is really like getting 4% cash back on restaurants and gas stations and 2% cash back on everything else with a credit card that practically anyone could get for free."

"with this card, there's no annual fee. You'll get 5% cash back in places like Amazon, grocery stores, restaurants, gas stations, and online shopping depending on your revolving category, plus the same 1% cash back on everything else. Then, just like the first one, they will match your cash back in the first year, which could get you up to 10% cash back, depending on where you spend your money, which is insane."

"the Pedal 2 is designed to be a card with absolutely no fees whatsoever. That means there's no annual fee, there's no international fee, there's no late fee, and there's no returned payment fee. So, from all perspectives, it cost you nothing. On top of that, you'll also get 1% cash back right away on all purchases, and that gets bumped to 1.5% cash back once you make 12 on-time purchases. Plus, you'll also get 2 to 10% cash back on select merchants, depending on where you shop."

"With this card, combined with Amazon Prime, you're going to get $150 Amazon gift card instantly just for signing up. and then you'll get unlimited 5% cash back on all Amazon and Whole Foods purchases, 2% cash back at restaurants, gas stations, and drugstores, and then 1% cash back on everything else."

"this option would give you 3% cash back on Amazon purchases, 2% at restaurants and gas stations, and then 1% cash back on everything else."

"First, they're going to be giving you a $200 bonus when you spend $500 in the first 3 months. And you'll get to earn 5% cash back on gas station purchases and up to the first $6,000 in the first year. They're also offering you 5% cash back and up to $1,500 worth of bonus categories, 5% back on travel through the Ultimate Rewards portal, 3% back at restaurants and dining, 3% on drugstores, and 1% back on everything else."

"You'll also get 0% interest for up to the first 15 months of purchases and balance transfers."

"You just get 2% unlimited cash back on everything, and that's it. There's no revolving categories. There's no limit to how much money you could spend, nothing."

"Plus, you can get $200 cash back when you spend $2,000 on the card in the first 6 months."

"And you'll get 3% cash back at supermarkets, 2% cash back at grocery stores, and 1% cash back on everything else."

"they'll give you a $200 cash bonus when you spend $1,000 on the card in the first 90 days."

"you'll also get 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else."

"they do offer 0% interest for the first 15 months."

"the higher the limits you have, the lower your balances will be in relation to that amount. For example, if you carry a $250 balance on a $500 limit, that's a 50% utilization, which is high, and that will lower your score. However, if you now have a $5,000 limit and that very same $250 balance, you now have a 5% credit utilization, which is low, and that will increase your score."