The 5 BEST Credit Cards For Beginners In 2024

These are my personal 5 BEST Credit Cards for beginners in 2023 with no fees, great rewards, and the best cash back - Enjoy! Add me on Instagram: GPStephan | Get My Weekly

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THE 5 BEST CREDIT CARDS OF 2023:

1. The Discover It Secured Credit Card
This card has NO ANNUAL FEE. And you will get you 2% cash back on restaurants and gas stations up to the first $1000, AND you’ll get unlimited 1% cash back on everything else. They’re also running a promotion where they will MATCH your cash back in the first year. Not only that, but Discover also allows you to monitor your FICO score for free on their platform, so you can keep track of how your score is improving over time.

2. The Petal 2 Visa Card:
The Petal 2 looks beyond your credit score, by instead - looking at your banking history. Your Cash Score shows your creditworthiness and can help you qualify for more credit at better rates. The Petal 2 Card is designed with absolutely no fees; no annual fee, there’s no international fees, there’s no late fee, and there’s no returned payment fee.

3. Wells Fargo Active Cash Card
This card has a zero dollar annual fee, 0% interest for the first 15 months, and: unlimited 2% cash back on every purchase. PLUS - you can get a $200 bonus when you meet the minimum requirements.

4. The Chase Freedom Flex Credit Card
First, they’ll be giving you a $200 bonus when you spend only $500 on purchases within the first 3 months - and, you’ll earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year! They’ll also offer you 5% cash back on up to $1500 worth of bonus categories, 5% back on travel through the ultimate rewards portal, 3% back at restaurants and dining, 3% on drugstores, and 1% back on everything else. All with no annual fee.

5. The Citi Double Cash Rewards Credit Card
You just get 2% unlimited cash back on everything, and that’s it. There’s no revolving categories, there’s no limit to how much you can spend, no nonsense. Literally just charge the card…and everything you buy is suddenly 2% cheaper…that’s it.

6. American Express Blue Cash Every Day
This is one of the few American Express cards that carries NO annual fee, so it’s entirely free to use. Plus, you can earn $200 back when you spend $2000 on the card within the first 6 months. AND you’ll get 3% cash back at Supermarkets, 2% cash back at grocery stores, and 1% back on everything else.

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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/