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!
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!
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Petal® 1 “No Annual Fee” Visa® Credit Card
Credit Score | None. |
Annual Fee | $0. |
Regular APR | 22.24% – 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!
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® 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 Score | None. |
Annual Fee | $75 for the first year and $48 after that. |
Regular APR | 34.99% variable APR. |
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!
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 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 Score | None. |
Annual Fee | No fee if you deposit more than $500. |
Regular APR | N/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!
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 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 Score | None 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!
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 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 Score | Poor. |
Annual Fee | N/A. |
Regular APR | N/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!
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® 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 Score | Poor. |
Annual Fee | $125 for the first year and $96 after that. |
Regular APR | 29.99% 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!
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 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
Credit Score | Poor. |
Annual Fee | $99. |
Regular APR | 29.99% 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!
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 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 Score | Poor. |
Annual Fee | $125 for the first year and $96 after that. |
Regular APR | 29.99% 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?
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!
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
Reviewed by / Aline Barbosa
Senior Editor
Trending Topics
Chase Bank review: is it trustworthy?
In this Chase Bank review post, we will show you how it works. And if you want easy access to ATMs and branches, it might be perfect for you!
Keep ReadingHow to apply for the Food Distribution Program on Indian Reservations (FDPIR)?
Check out how to apply for the Food Distribution Program on Indian Reservations (FDPIR) and how the program works.
Keep Reading10 best Amex cards with benefits
Check out the ten best Amex cards benefits for your everyday needs, business, and more. The cards offer a lot; you can pick the best for you!
Keep ReadingYou may also like
What is overdraft: the invisible transaction cost
What is overdraft? Find the answer here. Learn how it works and how to avoid it, so you don't get hit with hidden fees. Check it out!
Keep ReadingLearn to apply easily for the Ally Bank Mortgage
Do you want to get a loan to buy your dream home, but want to avoid the hassle of a physical branch? Learn how to apply for Ally Bank Mortgage. Read on!
Keep ReadingBankruptcy vs. consumer proposal: which is the best choice?
When you're struggling with debt, it can be hard to know your choices. Should you file for bankruptcy? Or try a consumer proposal? This article will break down the key differences between both options. You should have a better idea of which is the best for you by the end. So, keep reading to find out!
Keep Reading