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Looking for your first credit card? If you’re a student, recent graduate, or young professional, discover the best credit cards for young people.
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But how to choose which card to register? There are a ton of cards out there, and you only need the best – preferably one that offers great rewards, easy terms, and a low barrier to entry.
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Next, I’ll dive into seven of the best credit cards for young adults and explain why they’re great options.
Of course, there’s the dilemma of getting your first credit card without much of a credit history. But don’t worry, there are great credit cards for young people across the credit spectrum.
I’ve rounded up some of the best cards for a wide range of scores to help you find one that fits your credit profile.
The Chase Freedom Unlimited® Card offers a real sign-up bonus. Earn an additional 1.5% on all purchases (up to $20,000 spent in the first year). Add in a healthy introductory APR and a strong rewards structure, and you’ve got one of the best credit cards for young people with good credit.
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First of all, you earn Chase Ultimate Rewards, which can be very valuable travel bonus points. Plus, you’ll earn an additional 1.5% on all purchases (up to $20,000 spent in the first year).
Oh, and you’ll pay 0% APR on purchases for 15 months and 0% APR on balance transfers for 15 months (followed by a variable 20.24% – 28.99% APR).
Rewards have no expiration date; get it all with no annual fee. If you choose to use this card while traveling, be aware that it is subject to a foreign transaction fee.
Chase Freedom Flex℠ offers new users a great $200 bonus after they spend $500 in purchases within the first 3 months of account opening. Plus, they earn 5% in categories that change quarterly and great prizes in many other categories. Rewards never expire and users get a long introductory 0% APR.
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This card offers 5% cash back on purchases of up to $1,500 each quarter in rotating categories. For example, it can offer 5% up to $1,500 on Amazon purchases and streaming services for 3 months.
Meanwhile, you can earn 3% on dine-in, takeout, qualified delivery and pharmacy purchases, and 1% cash back on everything else.
Card information has been independently compiled to help consumers better compare cards. The financial institution did not enter or approve the card data. Capital One Platinum Credit Card
Perfect for those with average credit, you can get a great unsecured credit card with the Capital One Platinum Credit Card.
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Need a construction credit card but don’t want a secured card? The Capital One Platinum card could be a good choice.
This card is relatively simple. There are no annual or foreign transaction fees, and you can qualify with average credit.
Plus, Capital One will automatically consider a credit increase six months after opening if you use the card responsibly.
The downside is that this card doesn’t give rewards. But it can be a good starting point if you’re still working on your score.
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The Capital One QuickSilver Student Cash Rewards Credit Card combines credit and cash back features. There are no annual fees, foreign transactions, or hidden fees, and you’ll also get $50 back when you spend $100 on purchases within 3 months of account opening.
College is a great time to start building credit. The Capital One Quicksilver Student Cash Rewards Card is a great choice for this.
This card offers unlimited 1.5% cash back on every purchase and points are not valid. The card also charges almost no fees.
All in all, this is a simple student card for those who want to get credit and earn money at the same time.
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The No Annual Fee Visa® Petal® 1 Credit Card is an unsecured card with no fees and the ability to earn big on purchases at select brands. Responsible use can qualify for a line of credit of up to $5,000. These factors make it a great starting point for getting a loan.
The No Annual Fee Visa® Petal® 1 Credit Card is one of the best credit cards for young adults. It can also work well if you improve your credit.
You don’t need a credit history to qualify. WebBank, the issuer, does not charge annual foreign transaction fees or excessive fees to make this card as affordable as possible. And the card is unsecured – no deposit is required.
Additionally, users can earn 2-10% cash back from some merchants. You can check the app to see which brands near you are offering rewards.
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Lines of credit up to $5,000 available. Petal sets your limit, but with Leap you can get a 6-month credit limit increase by making the appropriate payments on time.
But the Credit Card Accountability and Disclosure Act (CARD) made it harder for under-21s to get unsecured credit cards; it is designed to protect young people from credit card fraud.
You must provide proof of stable income or assets – in other words, the ability to repay your debt.
If you can’t do this, you may need to start with a secured card or contact a co-signer.
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A secured credit card is very easy to get, regardless of your credit score. They work by requiring a refundable deposit and then issuing a loan equal to the amount of your deposit.
So you use a secured credit card just like any other credit card. You can load the card and then make payments from your balance. Your payments are forwarded to three credit bureaus that can build your credit and increase your credit score.
If your credit score is high enough to qualify for an unsecured card, you can close your secured credit card and get your deposit back.
Credit cards offer many benefits, including cash back, travel benefits, introductory APRs and opportunities to improve your credit score.
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As a young person, the best card for you is one that’s easy to apply for and saves you money on rewards and other benefits. Conveniently, this article has already compiled the best cards for young people, so you need to choose what is best for you.
But before you apply for a card, you’ll want to find out your score first. Knowing your score will help you choose the best card you can qualify for. And if you don’t know your current score, you can use Money Under 30’s free credit score calculator.
Chris holds an MBA with an emphasis in advanced investing and has been writing about all things personal finance since 2015. He also founded and ran a digital marketing agency, focusing on content marketing, copywriting and SEO, since 2016. You can contact Chris. on Twitter. About 335 days ago, my father dragged me kicking and screaming into adulthood. Finally, after many long months of learning about personal finance, it was time to sign up for my first credit card.
It wasn’t so much that I didn’t understand the concept of credit, but what credit was. Credit cards for
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– people who have saved enough to pay bills and do adult shopping. On the other hand, I definitely did
I was 22 and still living with my parents just six months after graduating. I did well in college with cold hard cash and a reliable debit card (yes, that was me
, but isn’t that part of the fun?). Except for my shiny new job at , I was no different from the person I was in college. Why the hell would I need a credit card?
As my loving father—a 30-year veteran of the financial services industry—gently explained, I was wrong. Cards are not one size fits all, there are all types to suit all types of people, from the financially desperate (me) to the financially desperate.
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For savvy consumers, my father explained, credit cards can also serve as memory builders. Most cards accumulate “points” when you spend money that can be used on food, travel or shopping. Others offer unique “member benefits” at concerts, live events and entertainment venues. This may not be terrible news for you, but rest assured, it was for me.
To illustrate his point, he pulled out a series of cards with built-in benefits for users, from cheap start-up connections to tickets and discounts to major professional events. Today, a year later, the conditions for cardholders are better than ever. Americans’ savings have increased significantly over the past 12 months, and card companies are looking to capture business by offering some of their best perks (and pre-approval terms).
Whether it’s time for you to step up, not because you’re an adult, or just an excuse to embrace something wonderful
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