top 5 credit cards for beginners

If you have little to no credit, you still have options! 💳✨✍🏽 these are my top 5 credit card recommendations for beginners with fair credit but let me know if you have suggestions!! Starting with my least favorite, it's not bad, it's just the most basic, the Capital One Platinum card. This has no annual fee, no deposit required, but there's also no benefits/perks. But after six months, you're automatically considered for a higher credit limit. I recommend this if the cash back or points are a little too much and you just want to focus on building credit. Next, we have the Chase Freedom Rise card to enter the Chase ecosystem. I prefer the Freedom Unlimited, but the Rise is probably going to be the easiest Chase card to get as an absolute beginner. It has no annual fee, and you earn 1.5% cash back on all purchases and right now they're offering 3% cash back on dining, takeout and eligible delivery services, up to $6,000 spent in the first 6 months from account opening. They offer other smaller benefits and after your first year, they automatically evaluate you to upgrade to your first Chase Freedom Unlimited card. So I think this is a great intro cash back card if you're a student. I have a video on my favorite student cards, but I love the Discover it Student Cash Back Credit Card because there's no annual fee, you don't need a credit score to apply and this was my first credit card. You earn 1% cash back on purchases and 5% cash back on rotating categories like gas stations, grocery stores, restaurants and for your first year they offer an unlimited cashback match. So you can turn $50 into $100. This is my favorite student card, but I also really like the Capital One cards. Speaking of Capital One, if you're looking for a cash back card, I like their QuicksilverOne Rewards. You earn 1.5% cash back on every purchase, but there is a $39 annual fee. But if you're a student, their student version has no annual fee. If you spend more on groceries, dining, entertainment, then I would go for the Capital One SavorOne Rewards. It has a $39 annual fee and a free student version. 3% cash back on groceries, dining, entertainment and 1% cash back on all other purchases. I don't love an annual fee for a beginner, but I just want to give you all the options. And no matter what card you get, use it responsibly, pay it in full and on time. That's it.