10 Best First Credit Cards For Young Adults This Year

The right credit card can help young adults establish good credit, access benefits, and gain financial independence. Compare offers to find the best first credit card for young adults and begin your journey into adulthood.

Best first credit card young adults

The best first credit card to open when you are young is the one that can help you build credit by reporting to the major credit bureaus, charges no extra fees, and comes with good rewards. For students, Discover It® Student Cash Back is a great option for a good first card.

However, if you are new to credit, have a poor score, or have limited income, then secured credit cards are the easiest first cards to get. They generally do not require a credit check and anyone who can pay the minimum security deposit, is at or above the legal age, and has a U.S. physical address can apply. Secured credit cards also report to the major credit bureaus that can help young adults build a good credit history over time.

We have provided a list of 10 credit cards below along with their features that can help you compare and find the best credit card for young adults.

10 Best First Credit Cards for Young Adults

LenderScholaroo ratingAPR Rate %Min. Credit Score

Discover it® Student Cash Back

Best for students

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5/518.24% - 27.24%N/A

Chase Freedom Rise Credit Card

Good for credit building

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4.9/526.99%N/A

Discover It® Secured

Best for no credit check

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4.9/528.24%N/A

Bank of America® Customized Cash Rewards Secured

Great for everyday purchases

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4.8/525.74%N/A

Chime® Credit Builder Secured Visa®

Best for no interest

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4.7/5N/AN/A

Citi® Double Cash Card

Best for flat-rate cash back

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4.7/518.99% - 28.99%630+

Capital One SavorOne Rewards for Students

Best for students with fair credit

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4.6/519.99% - 29.99%580+

Wells Fargo Active Cash Visa® Card

Best store credit card

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4.5/519.99% - 29.99%690+

Chase Freedom Flex℠

Best for low interest rates

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4.5/520.24% - 28.99%690+

Capital One® VentureOne Rewards

Best for travel

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4.4/519.99% - 29.99%690+
Lender

Discover it® Student Cash Back

Best for students

Scholaroo rating
5/5
APR Rate %
18.24% - 27.24%
Min. Credit Score
N/A
Visit website
Lender

Chase Freedom Rise Credit Card

Good for credit building

Scholaroo rating
4.9/5
APR Rate %
26.99%
Min. Credit Score
N/A
Visit website
Lender

Discover It® Secured

Best for no credit check

Scholaroo rating
4.9/5
APR Rate %
28.24%
Min. Credit Score
N/A
Visit website
Lender

Bank of America® Customized Cash Rewards Secured

Great for everyday purchases

Scholaroo rating
4.8/5
APR Rate %
25.74%
Min. Credit Score
N/A
Visit website
Lender

Chime® Credit Builder Secured Visa®

Best for no interest

Scholaroo rating
4.7/5
APR Rate %
N/A
Min. Credit Score
N/A
Visit website
Lender

Citi® Double Cash Card

Best for flat-rate cash back

Scholaroo rating
4.7/5
APR Rate %
18.99% - 28.99%
Min. Credit Score
630+
Visit website
Lender

Capital One SavorOne Rewards for Students

Best for students with fair credit

Scholaroo rating
4.6/5
APR Rate %
19.99% - 29.99%
Min. Credit Score
580+
Visit website
Lender

Wells Fargo Active Cash Visa® Card

Best store credit card

Scholaroo rating
4.5/5
APR Rate %
19.99% - 29.99%
Min. Credit Score
690+
Visit website
Lender

Chase Freedom Flex℠

Best for low interest rates

Scholaroo rating
4.5/5
APR Rate %
20.24% - 28.99%
Min. Credit Score
690+
Visit website
Lender

Capital One® VentureOne Rewards

Best for travel

Scholaroo rating
4.4/5
APR Rate %
19.99% - 29.99%
Min. Credit Score
690+
Visit website

1. Discover It® Student Cash Back

Best for students

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Discover It® Student Cash Back

5
Scholaroo Rating
Regular APR18.24% - 27.24%
Annual Fee$0
Rewards5% cash back on selected categories, 1% on all other purchases
Credit ScoreN/A
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

Discover It® Student Cash Back reports to all the major bureaus and can help students build credit. It requires no minimum credit score to apply which makes it an easy first card to get. It charges no annual or foreign transaction fee. There is also a 0% Intro APR offer for the first six months of account opening.

There are multiple designs to choose from and you can enjoy high cash back rewards by using the Student Cash Back Credit card. It allows a 5% cash back quarterly on everyday purchases at grocery stores, gas stations, restaurants, and Amazon.com. On all other purchases, students can enjoy an unlimited cashback of 1%. At the end of the first year, you can double up the total amount of cash back earned during that year with their Unlimited dollar-for-dollar Cash Back offer.

Discover It® Student Cash Back does come with certain fees including a late payment and returned payment fee of of up to $41. However, it does not charge a penalty on the very first late payment.

Pros

  • Reports to the major bureaus
  • No minimum credit requirement
  • Multiple designs to choose from
  • High cash back rewards

Cons

  • Charges a penalty of up to $41 for late and returned payments
  • Must be a student
  • Must reside in the U.S.
  • Must be at least 18 years old
  • Must provide proof of income
  • Must have a Social Security Number
  • 5% cash back quarterly on purchases at grocery stores, gas stations, restaurants and Amazon.com.
  • 1% unlimited cash back on all other purchases

2. Chase Freedom Rise Credit Card

Good for credit building

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Chase Freedom Rise Credit Card

4.9
Scholaroo Rating
Regular APR26.99%
Annual Fee$0
Rewards1.5% cash back on all purchases
Credit ScoreN/A
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

Chase Freedom Rise Credit Card is a credit builder card that young adults who are 18 years old and new to credit can access with proof of income. The card requires a cosigner in case the primary applicant fails to provide verifiable proof of income. Moreover, you can improve your chances for approval by having a Chase checking account with at least $250 before applying for the card.

Chase Freedom Rise reports to all the major credit bureaus and helps build credit with responsible use. It charges $0 in annual fees and gives $25 as a statement credit upon enrolling for automatic payments. Cardholders earn 1.5% cash back on all purchases. However, there is a late and returned payment fee of up to $40 and there is no 0% Intro APR offered on this card.

Pros

  • Helps build credit and track it for free via Chase Credit Journey app
  • Simple cash back rewards
  • No minimum credit required to apply
  • No annual charges
  • Offers $25 as statement credit for enrolling for automatic payments

Cons

  • No Intro APR offer
  • Up to $40 charged for late or returned payments
  • Must have a U.S. physical address
  • Must be at least 18 years old
  • Must have proof of income
  • Must have a Social Security Number
  • 1.5% cash back on all purchases
  • Recieve $25 statement credit for enrolling for automatic payments

3. Discover it® Secured Credit Card

Best for no credit check

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Discover it® Secured Credit Card

4.9
Scholaroo Rating
Regular APR28.24%
Annual Fee$0
Rewards2% cashback quarterly on selected categories, unlimited 1% on all other purchases
Credit ScoreN/A
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

Discover it® Secured Credit Card is great for anyone who has a poor or no credit score. It does not carry out a hard inquiry or a credit check which makes it one of the easiest cards to get as a young adult who is just starting their credit journey. The minimum security deposit required to get approved for this card is $200.

You can earn 2% cash back at gas stations and restaurants on spending up to $1,000 in total each quarter, and an unlimited of 1% on all other purchases. This card also offers a cash back back at the end of the first year. However, there is a late and returned payment penalty of up to $41.

Pros

  • No credit check
  • Good for building credit
  • Offers cash back rewards
  • You can double cashback earned in the first year through the Cashback Match Offer

Cons

  • Returned and late payment fee of up to $41
  • Limited acceptance abroad compared to Mastercard and Visa
  • Must have a U.S. physical address
  • Must be at least 18 years old
  • Must have a Social Security Number
  • Must pay the minimum security deposit
  • 2% cashback at gas stations and restaurants on spending up to $1,000 quarterly
  • Unlimited 1% cashback on all other purchases

4. Bank of America® Customized Cash Rewards Secured

Great for everyday purchases

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Bank of America® Customized Cash Rewards Secured

4.8
Scholaroo Rating
Regular APR25.74%
Annual fee$0
Rewards2% cash back on your first $2,500 at grocery stores
Credit scoreN/A
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

The Bank of America® Customized Cash Rewards Secured credit card is a good option for borrowers without a good credit score. It offers great cashback rewards and your initial card limit is between $200 and $5,000, depending mainly on your security deposit.

You get 2% cash back at grocery stores and 3% cash back in your choice of these categories: gas, online shopping, dining, travel, drug stores, and home improvement. After your first $2,500 spending in any category, you will earn 1% back on purchases.

Other perks include checking your FICO credit score for free and the ability to move to an unsecured card with a refund of your security deposit. You can improve your chances by keeping your balances low and making your payments on time.

Pros

  • No annual fee
  • Up to 3% cash back rewards
  • Flexible credit limit

Cons

  • Security deposit of $200 (minimum)
  • No welcome bonus
  • Requires a security deposit
  • Must be 18 years or older
  • Must be a U.S. citizen
  • Up to 3% cash back on gas, online shopping, dining, travel, or home improvement.
  • 2% cash back at grocery stores and wholesale clubs on the first $2,500 in purchases, then earn 1%.

5. Chime Credit Builder Secured Visa®

Best for no interest

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Chime Credit Builder Secured Visa®

4.7
Scholaroo Rating
Regular APRN/A
Annual Fee$0
RewardsN/A
Credit ScoreN/A
Why We Like ItPros and ConsEligibility Requirements

Chime Credit Builder Card is a secured credit card that does not require a credit check for approval. It is one of the best cards for young adults in terms of affordability as it has no interest rate and no annual fee attached to it. You may need a cosigner, however, if you are under the age of 21 and are unable to meet the minimum income requirement on your own.

There is no minimum security deposit required to get the card. However, you will be required to have a Chime Checking Account to be able to access this card and any amount that you move from your checking account to the Credit Builder secured account becomes your spending limit.

Being a Visa card, this card is widely acceptable nationally and internationally, and upon responsible use, you can build up a good credit score too as it reports to the major bureaus.

Pros

  • No interest rate charged
  • No annual fees
  • Visa payment network allows worldwide acceptability
  • No minimum or maximum security deposit limit

Cons

  • Requires a Chime Checking account
  • No rewards
  • Must have a Chime Checking Account
  • Must have an SSN
  • Must be at least 18 years of age
  • Must meet the minimum income requirement or have a cosigner
  • Must reside in the U.S.

6. Citi® Double Cash Card

Best for flat-rate cash back

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Citi® Double Cash Card

4.7
Scholaroo Rating
Regular APR18.99% - 28.99%
Annual fee$0
RewardsEarn 2% on every purchase
Credit scoreAverage / Good (630-850)
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

The Citi® Double Cash Card is ideal for cardholders looking for a flat-rate cash back. There is no 0% introductory period for purchases, but the card comes with a 0% intro APR on balance transfers for 18 months.

You earn 2% cash back on every purchase; 1% when you make the purchase and another 1% when the purchase is paid off. This is a good option for cardholders who make their minimum payments on time and there is no limit on the amount of cashback that can be earned.

The card has no annual fee, but there is a 3% foreign transaction fee and interest rates vary between 18.99% and 28.99% APR.

Pros

  • 2% cash back on all purchases
  • No annual fee
  • Introductory APR period for balance transfers
  • No limits on the amount of cashback earned

Cons

  • There is a foreign transaction fee
  • No 0% introductory APR on purchases
  • Must have a good credit score (630-850)
  • Must be at least 18 years old
  • Must be a U.S. citizen
  • Earn 2% cash back on all purchases – 1% when the purchase is made and 1% when the purchase is paid off
  • No limits on the amount of cashback that can be earned

7. Capital One SavorOne Rewards for Students

Best for students with fair credit

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Capital One SavorOne Rewards for Students

4.6
Scholaroo Rating
Regular APR19.99% - 29.99%
Annual Fee$0
RewardsUnlimited 3% cash back on selected categories and 1% on all other
Credit Score580+
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

Capital One SavorOne Rewards for Students is a good card for students with a fair credit score and limited credit history. It offers good cash back rewards with a higher cashback of 3% at grocery stores, restaurants, and popular streaming services. On all other purchases, students can earn an unlimited of 1% in cash back.

Moreover, you can even earn up to 10% in cash back on purchases made at Uber and Uber Eats. There is also a $50 cash bonus on spending $100 in the first three months and there is no annual fee associated with the card. This card also reports to the major bureaus and can help build credit with responsible use. Capital One SavorOne does charge a late payment fee of up to $40.

Pros

  • $50 cash bonus for new members
  • Offers cash back rewards
  • Can help build credit
  • No annual fee

Cons

  • Requires a minimum credit score of at least a fair level for approval
  • Exclusively for students
  • Charges a late payment fee of up to $40
  • Must be at least at the age of majority
  • Must have a physical U.S. address
  • Must have an SSN or an ITIN
  • Must meet minimum credit and income requirements
  • 10% cash back on Uber and Uber eats
  • Unlimited 3% cash back on groceries, dining, and entertainment
  • 1% unlimited cash back on all other purchases
  • $50 cash bonus on spending $100 in the first quarter only

8. Wells Fargo Active Cash Visa® Card

Best store credit card

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Wells Fargo Active Cash Visa® Card

4.5
Scholaroo Rating
Fixed Rates Starting (APR)19.99% - 29.99%
Annual fee$0
RewardsEarn unlimited 2% cash back on purchases
Credit score690+
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

Wells Fargo Active Cash Visa® Card is a great option for cardholders looking for cash back on everyday spending. It offers unlimited 2% cash back on all purchases and cash rewards don’t expire as long as your account remains open.

The card comes with a 0% APR on purchases for the first 15 months and 0% APR on qualifying balance transfers for the first 15 months. You also get a $200 cash rewards bonus when you spend at least $500 on purchases in the first three months.

The Wells Fargo Active Cash Visa® Card also comes with added benefits like up to $600 in mobile phone protection against theft or damage when you pay your monthly mobile bill with your card. There is no annual fee, but there is a 3% foreign transaction fee.

Pros

  • Unlimited 2% cash back on all purchases
  • No annual fee
  • 0% APR intro period for 15 months on purchases and transfers

Cons

  • Requires a good credit score
  • Charges a foreign transaction fee of 3%
  • Good credit score (690-850)
  • Must be at least 18 years old
  • Must be a U.S. citizen or permanent resident
  • Earn $200 cash back when spending $500 in the first three months
  • Earn unlimited 2% cash back on purchases

9. Chase Freedom Flex℠

Best for low interest rates

Apply now

Chase Freedom Flex℠

4.5
Scholaroo Rating
Regular APR20.24% - 28.99%
Annual fee$0
Rewards$200 bonus when you spend $500 in three months
Credit score690+
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

The Chase Freedom Flex℠ credit card has no annual fee, great cardholder perks, and one of the most flexible cashback rewards programs available. You’ll earn 5% cash back on up to $1,500 in purchases that rotate quarterly. You’ll also earn 5% on travel purchases through Chase Ultimate Rewards®, 3% on dining, and 1% on all other purchases.

Chase doesn’t release the quarterly categories in advance, but some of the past categories included PayPal, Walmart, movie theaters, gas stations, Amazon.com, and streaming services.

There is no annual fee and a 0% intro APR for 15 months on purchases and transfers. The card comes with rates between 20.24% and 28.99% APR.

Pros

  • Travel rewards are among the best in the market
  • No annual fee
  • Flexible rewards redemption
  • Welcome bonus

Cons

  • Requires a good credit score
  • Cardholders must enroll in rotating quarterly bonus categories
  • Good credit score (690-850)
  • Must be at least 18 years old
  • Must be a U.S. citizen
  • $200 bonus when you spend $500 in three months
  • 5% cash back on Lyft rides
  • 5% cash back on rotating quarterly categories up to a $1,500 maximum
  • 0% intro APR for 15 months on purchases and transfers

10. Capital One® VentureOne Rewards

Best for travel

Apply now

Capital One® VentureOne Rewards

4.4
Scholaroo Rating
Regular APR19.99% - 29.99%
Annual fee$0
RewardsUnlimited 1.25 miles per dollar on every purchase
Credit score690+
Why We Like ItPros and ConsEligibility RequirementsRewards & Benefits

The Capital One VentureOne Rewards credit card is a good option if you’re not a heavy spender. The card has no annual fee and there are no foreign transaction fees.

The card offers various rewards and redemption is very flexible. The card comes with an APR between 19.99% and 29.99% and an initial 0% intro APR on purchases and balance transfers for 15 months. After this, a 3% balance transfer fee applies.

Pros

  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Flexible rewards redemption
  • Welcome bonus

Cons

  • Requires a good credit score
  • Not ideal for heavy spenders
  • Good credit score (690-850)
  • Must be at least 18 years old
  • Must be a U.S. citizen
  • Unlimited 1.25 miles per dollar spent on all purchases, plus 5 miles per dollar spent on hotels and car rentals booked through Capital One Travel.
  • Welcome bonus of 20,000 miles when you spend $500 on purchases within the first three months.
  • Miles won’t expire for the life of the account

Types of First Credit Cards for Young Adults

Before getting a credit card, it is important to know the different types of credit cards offered and what each of them offers to find the best first credit card for young adults. This way, you can choose the one most suited to your needs.

  • Secured Cards: Secured cards use a cash deposit that serves as collateral for the card. They are offered to people with no or limited credit history the opportunity to build credit which is easiest to qualify for. Teens who have just turned 18 would have a higher chance of getting approved for this type as compared to others.
  • Unsecured Cards: They are the traditional types of credit cards and do not need a security deposit. However, unsecured cards usually have a higher credit score and income requirements and there may be higher interest rates and fees for those who don’t maintain a good credit score.
  • Student Credit Cards: Student credit cards are designed specifically for students, offering lower interest rates and other perks tailored to their needs. Students who are young adults can enjoy a lot of rewards and discounts with these cards. Some student cards do not even have a minimum credit requirement; however, they generally run a credit check regardless.
  • Prepaid Cards: Prepaid cards are more like debit cards and cannot help in building a credit history. With these cards, the cardholders deposit an amount in the card and that is what they can use only. There is no borrowing or credit involved.

How To Compare Credit Cards

When selecting the best first credit card as a young adult, there are several factors to consider. You should use these to compare the different credit cards for your young adults to choose the best one for yourself.

  • Low or no annual fees: Make sure that you’re aware of any fees and penalties associated with the credit card, such as annual fees or late payment charges. Annual fees can add up quickly and reduce the amount of money available to cardholders. As a young adult, it’s important to try to find a credit card with no or low annual fees, so that you don’t need to spend more than necessary on your card. The more young adults understand what fees could be charged, the better prepared they’ll be to avoid them.
  • Low Interest Rates: Interest rates are an important factor to consider when choosing a credit card, as higher rates can make it more expensive to pay off a credit card balance. It’s best for young adults to look for cards with low interest rates as well as a 0% introductory (APR) period. Additionally, paying off the balance in full each month can help keep interest costs low.
  • Rewards and Benefits: There are numerous credit cards that offer rewards and benefits such as cash-back, points, or miles for making purchases. Be on the lookout for these rewards programs, as they are a great way for young adults to save money and learn how to responsibly manage their credit – all while being rewarded for it.
  • Credit Limit: The credit limit is the maximum amount of money a cardholder can borrow on the card. Young adults should consider their spending habits and find cards with limits that they can responsibly manage.
  • Credit score: Young adults should be aware of the credit score requirements for each card they are considering. Knowing their own credit score and researching credit cards that meet those requirements can help young adults find the best cards for themselves.
  • Co-signing Requirements: Some credit cards require a co-signer if a teen does not have enough of a financial history or credit score to qualify on their own. Take this into consideration when selecting a card and make sure that your co-signer of choice is comfortable with the agreement.
  • Level of Responsibility: Make sure to consider how much responsibility you can handle when managing your own credit card, as well as any tools or resources that will help you to better manage your finances. Doing this will ensure that you don’t run into debt, thereby getting the most out of your credit card.

How to Apply for a Credit Card for The First Time

When applying for a credit card for the first time as a young adult, provided that the requirements for eligibility have been met, the process to secure one is simple. Below are the general eligibility requirements and steps to apply for a credit card.

General Eligibility Requirements:

Here are the typical eligibility requirements for credit cards for young adults:

  • Be at least 18 years old
  • Have a valid government-issued ID or Social Security Number
  • Have an income (which can include a part-time job, allowance from parents, or student loan)
  • Demonstrate responsible use of credit

Steps to Apply for a First Card

The following are steps to apply for a credit card.

  1. Gather Documents: Before you can apply, you will need to have some documents handy that may include proof of identity and address, employment information, bank statements or other financial documents, and authorization for a credit check applicable.
  2. Compare Offers: Look through different credit card offers to find the one that best fits your needs. Make sure you compare factors such as Annual Percentage Rates (APRs), bonuses, rewards, and fees associated with credit cards.
  3. Fill Out Your Application: Once you have chosen a credit card, fill out the application form. This will usually involve entering your personal information, such as your address, date of birth, and current employment status.
  4. Submit Your Application: After you’ve filled out the application form, ensure that you double-check it for accuracy before submitting it. Having done that, all you need to do from here is wait for a response from your chosen lender.

Do Young Adults Need a Card?

While it is not a need to have a credit card at a younger age it is quite important and beneficial to get one early on. Most importantly, they can help with building a good credit history which influences all borrowings in the States like buying a house on a mortgage, getting a car loan, renting, and getting student loans. Moreover, you can get better terms and rates on loans and any other forms of credit with a good history and above-average credit score. Another important reason for everybody to get a credit card is that it can help in the case of unforeseen emergencies.

Credit cards are safer than cash to carry around and you can avail several other benefits by using them like travel insurance, cash back rewards, bonuses, discounts, travel points, and even lost luggage reimbursement with some cards.

Benefits and Costs of Getting a Credit Card as Young Adults

Getting a credit card involves both benefits and potential drawbacks that include the following:

Pros of Credit Cards:

  • Establishes credit history by on-time and complete payments
  • Allows you to manage expenses responsibly and build good financial habits
  • Helps with emergencies or major purchases for which you might not have enough cash/savings for
  • Earn rewards, such as cashback, discounts, or travel points
  • Easier to carry as compared to cash

Cons of Credit Cards:

  • Potentially high interest rates if payments are not made on time or if you don’t have good credit
  • Can lead to debt if not used responsibly
  • Can hurt your credit if you miss your payments or pay late
  • Potentially high annual fees for some cards
  • Temptation to overspend

Top Tips for Beginners Using a Credit Card for the First Time

By keeping the following tips and tricks in mind, young adults can use their first credit card responsibly and benefit from the rewards associated with having one.

  • Keep track of your spending: The first and most important tip when using a credit card is to keep track of your spending. Create a budget to help you stay within your means and ensure that you only spend what you can afford. Automated reminders are also helpful in keeping up with payments and avoiding late fees or any other charges for not paying on time.
  • Read the terms of your agreement: Before signing up for a credit card, make sure to read the terms and conditions so that you understand all the features associated with your card. Look for potential fees, interest rates, and rewards – such as cashback or airline miles – to help get the most out of your staying credit up. Additionally, you should never sign up for a card with hidden costs or fees that could catch you by surprise.
  • Pay at least the minimum amount due: Once you have your credit card in hand, make sure to pay at least the minimum amount due each month on time. Missing payments and late fees can negatively affect on your credit score, resulting in higher interest rates for future borrowing. It’s also essential that you stay on top of your payments each month so that you don’t get overwhelmed with debt.

FAQs

What are the easiest credit cards to get for young adults?

The easiest credit cards to get are secured credit cards as they do not have a minimum credit requirement and do not carry out a credit check. They charge a security deposit as collateral which becomes your credit limit.

Bank of America® Customized Cash Rewards Secured and Discover it Secured are two good options for secured credit cards.

What is the minimum age limit to apply for a credit card?

You can apply for a credit card in your own name at the age of 18. However, you must have some source of independent income and provide proof of it to get a card. In case you do not have proof of income then you may apply with a cosigner if the bank accepts a cosigner.

What is the best credit card for a 19 year old to build credit?

Chase Freedom Rise Credit Card and Chime Credit Builder Secured Visa® Credit Card are both specifically designed for building credit. They do not have a minimum credit requirement and you can apply for them if you are 18 or above; however, you will need to provide verifiable proof of income to get approved.

What credit card is best for a 21 year old?

21-year-old young adults may have some level of credit developed which can allow them to access cards with higher rewards but a minimum credit requirement. Capital One SavorOne Rewards for Students is a great option for 21-year-olds with fair credit and high rewards. For those who travel often, their VentureOne Rewards Card can be quite beneficial as it provides many travel-related rewards.