Credit Cards (US)

Find the best cards even if you are new to credit

Are you wondering how to get a credit card to build credit because you are new to credit? Read our post with a list of the best cards for those new to credit!

Are you new to credit? We help you with the best card options: you can increase your credit ratings!

Find out the best cards for those new to credit! Source: Adobe Stock
Find out the best cards for those new to credit! Source: Adobe Stock

To get the most out of your credit card, it’s important to find one that fits your needs. This can be tough if you’re new to credit or don’t know where to start. But don’t worry – we’re here to help! We’ll show you how to find the best cards for those new to credit and fit your lifestyle and spending habits, even if you’re starting So, what are you waiting for? Read on for our tips!

Our best card recommendations if you are new to credit!

Finding the best credit cards for first-time card users or those seeking a better deal can be difficult. Compare interest rates and rewards programs, and keep in mind annual fees. With so many options, it’s difficult to decide. But don’t worry, we’ll help! Find the best cards for your needs and start looking!

Petal® 1 “No Annual Fee” Visa® Credit Card

Credit ScoreNone.
Annual Fee$0.
Regular APR22.24% – 31.74% variable APR.

Petal® 1 “No Annual Fee” Visa® Card Highlights

With the Petal® 1 “No Annual Fee” Visa® Credit Card, you can earn cash back rewards at eligible merchants. Plus, there is a credit limit from $300 to $5,000. Also, you can increase your credit limit after six months. However, this only happens if you make your payments on time.

  • 2% to 10% cash back rewards (eligible merchants).
  • Credit limit ranges from $300 to $5,000.

If you want to know more about this excellent credit card and how to apply for it, check out our posts below!

Petal® 1 “No Annual Fee” Visa® Card

How to apply for Petal® 1 “No Annual Fee” Visa®

Petal® 1 "No Annual Fee" Visa® Credit Card gives you 2% – 10% cash back at select merchants with no annual fee. And it helps you build a credit score!

Petal® 1 “No Annual Fee” Visa® Card

Petal® 1 “No Annual Fee” Visa® full review

This card offers cash back with no annual fee and allows you to build your credit score. Take a look at the Petal® 1 "No Annual Fee" Visa® Credit Card review!

Revvi Card

Credit ScoreNone.
Annual Fee$75 for the first year and $48 after that.
Regular APR34.99% variable APR.

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Revvi Card Highlights

The Revvi card offers an opportunity for those with no credit score or a really low score. Also, the application process is very fast and easy to complete. Moreover, Revvi sends your monthly payment reports to credit bureaus. This way, you can increase your score faster! This is one of the best cards if you’re new to credit.

  • Revvi sends your monthly reports to credit bureaus, so that you can increase your credit.
  • 1% cash back rewards available.

If you liked this card’s features and want to know more about how to apply for it, read our post below about the application process!

Revvi Card

How to apply for the Revvi Card?

The Revvi Card doesn’t require a perfect credit score, and the application process is quick and easy. Check out how to apply for it!

Revvi Card

Revvi Card full review

The Revvi Card is a financial product that can help you rebuild your credit score. Also, it offers you 1% cash back rewards^^. Interested? So, check out our full review!

Walmart Moneycard Debit Card

Credit ScoreNone.
Annual FeeNo fee if you deposit more than $500.
Regular APRN/A.

Walmart Moneycard Card Highlights

You probably want to save some money if you are new to credit. So, the Walmart Moneycard debit card can help. You can also choose to spend only what you can afford. To avoid the monthly fee, you must load a certain amount.

  • Exclusive welcome bonuses.
  • Earn 3% to 1% cash back.

If you need to save money and can’t apply for a credit card, this Walmart can be for you. So, read our post below to know how to apply!

Walmart Moneycard Debit Card

How to apply for the Walmart Moneycard debit card?

You can easily and quickly apply for the Walmart Moneycard debit card. So, check out how you can start earning cash back and all the benefits that come with this card!

Walmart Moneycard Debit Card

Walmart Moneycard debit card review

Are you looking for the best prepaid debit card? So, check out our review of the Walmart Moneycard, which offers overdraft protection, cash back, and more!

Chime® Credit Builder Card

Credit ScoreNone or poor.
Annual Fee$0.
Regular APR

Chime® Credit Builder Card Highlights

This Chime card helps you build credit and has no annual or monthly fees. Also, there is no minimum security deposit required to apply. The application process also does not require a credit check.

  • There is no need for a credit check.
  • No minimum security deposit.

If you need to build credit and save money, this Chime card is an excellent choice. So, check out our post below to know all about the application process!

Chime® Credit Builder Card

How to apply for the Chime® Credit Builder card?

The Chime® Credit Builder card application process is fast and straightforward. You don’t need a credit history or a minimum deposit to apply for it. Check it out!

Chime® Credit Builder Card

Chime® Credit Builder Card review

Start building credit for free and for a better future. Check out the Chime® Credit Builder card review article and learn how it works!

Applied Bank® Unsecured Classic Visa® Card

Credit ScorePoor.
Annual FeeN/A.
Regular APRN/A.

Applied Bank® Unsecured Classic Visa® Card Highlights

This unsecured card can be perfect for those starting to use credit cards. Also, if you have a low score, you can pre-qualify with no impact on your score. However, this card can have some relatively high fees and an annual fee.

  • The bank sends your monthly payment reports to the major credit bureaus.
  • Increase your score.

If you need a card for those with a low score, read our post below to know how to apply for the Applied Bank® Unsecured Classic Visa® Card!

Applied Bank® Unsecured Classic Visa® Card

How to apply for Applied Bank® Unsecured Classic

You won’t need a perfect credit score to get an Applied Bank® Unsecured Classic Visa® credit card. Therefore, check out how to apply for one!

Applied Bank® Unsecured Classic Visa® Card

Applied Bank® Unsecured Classic Visa® review

The Applied Bank® Unsecured Classic Visa® credit card is for those who search for a card that doesn’t require a security deposit and accepts a poor credit score!

Reflex Mastercard

Credit ScorePoor.
Annual Fee$125 for the first year and $96 after that.
Regular APR29.99% variable APR.

Reflex Mastercard Highlights

The Reflex Mastercard has a credit limit of $300-$1000. You can also get Fraud Liability for free. You can also improve your credit because the company reports monthly to all three major credit bureaus. But the card has high fees.

  • Increase your score by making payments on time.
  • Access to $0 Fraud Liability.
  • Increase your credit limit after 6 months.

Learn all about how to apply for this credit-building card in our post below with all the details about the application process!

Reflex Mastercard Card

How do you get the Reflex Mastercard® credit card?

Do you think that the Reflex Mastercard card can be good for your situation? So, keep reading to know how to apply for this credit rebuilding card!

Reflex Mastercard Card

Reflex Mastercard credit card full review

You can get the Reflex Mastercard credit card to reestablish your score. Keep reading our full review to know more about this card!

Fit Mastercard

Get to know the Fit Mastercard card. Source: The Mister Finance.
Get to know the Fit Mastercard card. Source: The Mister Finance.
Credit ScorePoor.
Annual Fee$99.
Regular APR29.99% variable APR.

Fit Mastercard Highlights

With this card, you can get an initial credit limit of $400. Also, you can increase your limit after just six months if you make your payments on time. Moreover, you can increase your score because the card sends your monthly reports to the major bureaus.

  • Increase your score by making payments on time.
  • $0 Fraud Liability.
  • Increase your credit limit after 6 months.

Check out our post below to know all about how to apply for this credit card that can help you build credit!

Fit Mastercard Card

How do you get the Fit Mastercard credit card?

Do you need to organize your finances and clear debt? The Fit Mastercard card can be a great option for you. Keep reading our post about how to get this card!

Fit Mastercard Card

Fit Mastercard credit card full review

The Fit Mastercard credit card can help you rebuild your credit and finances. If you want to know more about this card, keep reading our full review!

Surge Secured Mastercard®

Credit ScorePoor.
Annual Fee$125 for the first year and $96 after that.
Regular APR29.99% variable APR.

Surge Secured Mastercard® Highlights

With this Surge card, you can access $0 Fraud Liability. Also, your initial $300 deposit is your credit limit. Plus, you can access your Vantage 3.0 score. Moreover, you can increase your credit by making your payments on time.

  • Mastercard Zero Fraud Liability Protection.
  • Reports your monthly payments to all major credit bureaus.

If you want a card that accepts poor credit and gives you rewards, check out our post below to know how to apply for the Surge Secured Mastercard® Card!

How to build your credit?

Learn how to build credit! Source: Adobe Stock
Learn how to build credit! Source: Adobe Stock

Using a credit card is one way to build credit. However, you can also get a secured card or a credit-building card. You can get a card that won’t let you overdraw. So, you can save and never spend more than you have. You can also get a card that reports monthly payments to credit bureaus. Therefore, if you want to know more about improving your credit score with a credit card, read on!

black credit card

How to build credit using a credit card

If you need to build credit, using credit cards can be a great option. Check out our post to know how to build credit using a credit card in 4 easy ways!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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