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

The YouTube Creator Academy:

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.

My ENTIRE Camera and Recording Equipment:

[lukebecker]

I just realized I’ve been watching these videos for four years now, starting as a high school senior. I’m at a 755 with three cards and solid history!

[nataliamartin]

I have a Discover card, and the ease of use is great. They keep raising my credit limit without having to do anything (around $15, 500 now). I treat it like a debit card, pay it off every month, pay no interest, and get 2-5% cash back on purchases. I have no idea why anyone would use debit anymore.

[richardday]

Probably one of the few people worth listening to. The amount of credit report this team has fixed is unmatched in the entire human history

[GraceLifeMinistries]

How is no one talking about how incredibly funny it is for him to use a picture of Dave Ramsey as the guy getting the credit card at the beginning.😅

[teresaperez]

I’ve been watching you since last year and I have learned so much ! I opened my first credit card in 2022 and I’m so happy I did . I now have a 730 credit score !! I’m currently 23 and Now I have this crazy desire to invest and make my money grow because of you ! THANK-YOU!!

[Ethanshameir]

tried the discover for my first ever card was approved for 1500 with no money down thank you grahm!

[Moises_Ramirez]

Graham, even though you’ve posted videos such as best credit cards, saving accounts, stocks, etc before. I love that you update them year over year and not just post one and done. Believe that I tune in every year to see your updated list Year over year. I have opened credit cards based on your suggestions and my needs. Keep it up Graham! Bravo! 💯

I am a fan of your work!

[Rckatz]

Raise your hand if you been watching Graham Stephan for a long time 🤚🏻

[bokyoungkim_]

This timing is actually insane - I was literally researching which credit card to open and was going to go back to one of your old videos that I watched JUST as you posted this!

[masonadams]

Graham, I signed up for a credit card on my 19th birthday, I’m turning 20 this year and already have 750+ credit thanks to your videos!

[issui]

Thank you graham I brought my credit score from a 421 to 736 in a year because of your advice.

[joeybergman]

Petal just started charging most members an $8 a month fee and plans to roll this out to all accounts by the end of the summer just a heads up

[jimmyyu]

Very happy with my (regular) Discover and CapitalOne QuickSilver card, that's the only cards I carry (no Dept. Store) and with the cash back, I am around $400 a year, which I can spend on Christmas gifts or splurge on myself.

Key is to pay if off in full every billing cycle, otherwise those interest rates will YA. Peace, out.

[NATESINTERACTIVEAUTO]

The Discover it card is one of my favorites. American express cash every day is also my favorite. Thanks for the helpful information.

[cjisyourdad]

dude is litterally phineas from phineas and ferb

[Komo]

Got my Discover it Secured a year ago and just got my Freedom Unlimited recently. Thanks for the great advice Graham. 🙏🏾

[jordanlopez]

This is one of the most strategic, insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them, and I am going to site you and your tips in my app.Thank you S

[perfectiom]

Can't get over the opening 🤨 "what's up graham, it's guys here!"

[jonathannerz]

I love the running gag of having Dave Ramsey involved with banks and credit cards.

[reidranger]

Dave Ramsey. I love the irony of you showing Dave Ramsey photos as you talk about getting credit cards!