The 5 BEST Credit Cards For Beginners in 2021

These are my 5 BEST Credit Cards for Beginners in 2021 that will help get you the best credit score and history in the fastest time possible. Enjoy! Add me on Instagram: GPStephan

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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 1 Visa Credit Card
They say that the Petal 1 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. With this, you can get a credit limit anywhere from $500 to $5000…and, BEST OF ALL, THERE’S NO ANNUAL FEE. They also offer anywhere from 2-10% back on select merchants, and their mobile interface helps you better understand how much you spend, what you’ll need to do to pay off your balance in full, and - will help you track your expenses over time.

3. The Apple Credit Card
Like the others - NO ANNUAL FEE. They’ll also give you DAILY cash back…when you use the Apple Card with Apple Pay, you’ll get unlimited 2% cash back on everything. You’ll also get 3% cash back on Apple Products and select merchants. Their app is also fantastic for tracking expenses, and learning good financial habits to make sure you pay off your credit card as soon as possible to avoid paying interest.

4. Bank of America Cash Rewards Card
I like this because they’ll give you a $200 cash bonus when you spend $1000 on the credit card within the first 90 days.Besides that, you’ll also get 3% cash back on the category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else. You can also get a $200 Cash bonus when you spend $1000 in the first 90 days!

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.

Step By Step:

First, sign up for the Discover It Secured Card with a $200 deposit. Once you get the card, all you need to do is put a few of your normal expenses on the card each month…and then pay it off in full.

Second, if you want to expedite the credit building process just a little further…around the same time you apply for the Discover It card, also apply for the Petal 1 Visa Card.

Third, after 6 months of doing this…you’ll want to apply for either the Apple Credit Card or Bank of America Card. These will be your first “unsecured credit cards."

Fourth, from there…after 8-12 months from getting your first card…get the Chase freedom flex, and enjoy that free $200 cash back.

Then, after 12 months…you should have built up enough of a credit foundation to have a score above 750, and then be able to take advantage of every amazing credit card offer out there to get thousands of dollars back in rewards, travel first class, and get free nights at the best hotels in the world!

*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.

[huseyinunal]

Sis - may I suggest you make *NERD STARK CORP* correlating this to the United States Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.

[Bymehmettezerr]

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by 808 CREDIT SCORE team lol, i didn't made it myself

[tysongarrett]

Watched you video and saw that Apple card. Applied and got a 1200$ card!! Its great thats your advice has helped me literally change my life around. I am only 20 but now working to get my real estate license and bettering myself everyday. I officially have a 721 credit score now by taking your advice. You’re a legend

[tucknrolls]

just wanted to say thank you, being completely new to this whole credit card business is very intimidating, that being said this video helped me make a decision and feel good about it.

[BeingScared]

I’m to the point now, where I simply cannot miss a video from you bro. Keep them coming. 🙏

[xxdjmocoxx]

You’re awesome Graham, thanks! How about top 5 saving accounts 🤔

[izzybookqueen]

Omg I’ve watched so many credit card videos and every single one manages to confuse me or be unclear. You have a gift for just explaining it in simple easy terms no blubbering on jsut here is what it is. Love it!! Thanks for the informative video!!

[janiesantonacita]

The Discovery Card and the case card sound great to me! Also, will you be reviewing the Starbucks visa card? It looks enticing.

[ibracadabraroot]

Great advise. I have had the BOA card for over a decade and the chase freedom flex I got a couple months ago, based off your recommendation, along with the Amazon prime card.

[travisdeberry]

Graham- when I got the petal 1 I was sure to tell them I learned from you. Hopefully that sponsorship comes soon.

If you’re reading this- don’t forget to like the video for graham. He’s our helper.

[jovanniochoa]

Saved this video and have now begun to build up my credit score. I'll see you back here when I get my bragging rights :0. Love you Graham <3

[lamiya]

I love you and you're the only person I trust to give reliable information.

[RiEpic]

Graham is the only person I trust on YouTube about finical advice

[BADAXPRO]

Love this Graham, keep it up please 😁

[TheSrjo]

Wow great video explaining how they work with pros and cons 👌🏽

[OdysSeaAirwaves]

"Jane Doe Smash the Like Button" on the Apple CC and "Did you Smash it Yet" on the Chase CC, very very clever man! Haha love how you snuck those in there.

[nrever]

My first credit card was a Discover card when I was 18 and in college. I still use them 22 years later, great for my credit score

[Larrygu]

Looking for a new card to churn or get better rewards. Thanks for the vid!

[amandawilkins]

Loved this video, very informative for beginners like me :)

[Nabie]

OH MY GOSH YOU ARE THE BEST, I HAD SO MANY QUESTIONS AND ANSWERED THE ONES I DIDN'T EVEN KNOW I HAD, GOD BLESS YOU G.