The 5 BEST Credit Cards For Beginners In 2025

"within a few years you'll have a perfect credit score get approved for any credit card you would want and maximize your spending to levels you never thought were imaginable"

"when you want free travel this is pretty much as good as it gets to start it all begins with the Chase Freedom Flex which offers 5% cash back on revolving categories up to $1,500 these points all accumulate in the chase portal from where you could eventually apply for the Chase Freedom unlimited this is another completely free card that's almost identical to the flex except you'll be able to get 5% unlimited cash back through purchases made on the rewards portal and you'll get 1 and 1/2% cash back on all their purchases this gives you a higher Redemption rate than just using the flex card alone and when you combine that with the Chase Sapphire Reserve or preferred you'll be able to unlock the ultimate benefit of way more money back"

"you could get up to $7 a month off when you spend $14 on the Disney streaming bundle $15 a month on a home Chef cooking option ... and you get damage and Theft Protection when you rent a car and make a payment with the card you'll also be able to sign up with Shop Runner which gives you complimentary 2-day free shipping on a variety of online stores"

"all the most basic level this card has absolutely no annual fee 0% interest for the first 15 months and the best part of all unlimited 2% cash back on every purchase ... they'll also give you up to $600 of cell phone protection against damage or theft when you pay your phone bill with the card subject to a $25 deductible"

"you'll be able to earn 2% cash back on gas stations and restaurants up to $1,000 in Combined purchases each quarter plus unlimited 1% cash back on everything else not to mention they'll also match all of your rewards in the first year"

"the pedal one card which allows their customers to earn up the 2 to 10% back on select merchants or the pedal two card which gives you 1% cash back on eligible transactions which then gets bumped up to 1.5% after you make 12 on Time payments"

"you'll be able to use this to work your way up to getting free first class plane tickets which I'll discuss a little later because in addition to that we also got this option ... all for the cost of nothing ... a lot of this free travel could start right here with a credit card that costs you absolutely nothing"

"you'll also be able to earn 5% cash back on grocery store purchases up to $600 a year and you'll be able to earn 5% back on rotating categories like gas stations and select online Merchants you can also get 5% back on travel purchase through their Chase Ultimate Rewards 3% back on restaurants and eligible delivery services 3% at drugstores and 1% back on everything else"