Building Credit from Scratch: Top Credit Cards for First-Time Users Reviewed

Starting your credit journey without a history can feel limiting, but several financial institutions now offer credit cards designed specifically for those taking their first steps. YouTuber Graham Stephan recently curated a selection of products that cater to different stages of credit development, from complete beginners to those with modest credit establishment. These recommendations highlight how accessible credit card for first time users has become, with options ranging from secured deposits to banking-history-based approvals.

Entry-Level Cards: No Credit Required

Discover it® Secured Credit Card

This secured offering eliminates the credit score barrier entirely. You provide a refundable security deposit that protects the issuer while allowing approval regardless of credit history. What sets this option apart for credit card for first time users is its feature-rich structure: there’s no annual fee, cash back rewards are included, and a sign-up bonus awaits new cardholders. Most secured products skip these perks, making this a standout choice for those starting from zero.

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

Petal takes a different approach for credit card for first time users by bypassing both security deposits and credit score requirements. During application, if you lack credit history, Petal can evaluate your banking patterns instead—reviewing your ability to pay bills consistently. Beyond flexible approval criteria, this card completely eliminates fees: no annual charges, no foreign transaction fees, and no late penalties. Cash back on purchases provides immediate value while you’re building your foundation.

Moderate-Tier Options: Some Credit History Helpful

Amazon Rewards Visa Signature Card

Amazon shoppers benefit from relaxed approval standards with this product. FICO® Scores around 640 typically qualify, making it accessible for credit card for first time users who’ve begun establishing their profile. Non-Prime members use this version, though Prime cardholders can access an enhanced cash back rate on their dedicated product. Both cards accept applicants with modest credit development.

Chase Freedom Flex℠

This card marks the transition toward premium offerings. Benefits include a low-spending sign-up bonus, elevated cash back across multiple categories, 0% introductory APR, and no annual fee—ideal for those progressing beyond beginner status. However, Chase typically requires good credit ratings (FICO® Score above 670), making this suitable after you’ve spent a year or two strengthening your profile.

Established Credit Products

Citi® Double Cash Card – 18 Month BT Offer

Earning 2% cash back through a dual-reward structure (1% at purchase, 1% at payment), this card combines simplicity with value. A sign-up bonus, zero annual fee, and 0% promotional APR on balance transfers add appeal. Like Chase’s offering, this requires FICO® Scores typically above 670, positioning it for users with demonstrated credit responsibility.

Honorable Mentions

Two additional cards deserve consideration for those with established credit:

• Blue Cash Everyday® Card from American Express: Bonus cash back at U.S. supermarkets, gas stations, and online retailers
• Bank of America® Customized Cash Rewards Credit Card: Bonus cash back in your chosen category

Strategic Selection for Your Journey

For credit card for first time users just beginning, Discover’s secured card and Petal’s fee-free option present the most accessible paths. Both eliminate traditional barriers while rewarding responsible use. As your credit profile develops, transitioning to Amazon, Chase, or Citi products becomes feasible, each offering enhanced rewards and benefits aligned with your strengthened position. The key is matching your current credit standing with products designed for your stage of development.