Best Credit Cards for Beginners 2023 (Full Guide)

#creditcards #beginnercreditcards

Best Credit Cards for Beginners 2023. The most important thing is to be sure to pay your cards on time and in full.

Advertiser Disclaimer: Some of the card links and other products that appear on this website are from companies for which John Liang will earn an affiliate commission or referral bonus. This means that if you click on one of the product links, I may receive a commission. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

tags: best beginner card, best beginner credit cards, best credit cards, credit cards 2023, beginner credit cards 2023, best cards for beginners 2023, top beginner cards 2023, top beginner credit cards, bilt master card, capital one, chase beginner card, citi beginner cards, discover beginner cards

[SpencerJohnsonOfficial]

Getting the right beginner credit card is SO important! This is gonna be such a helpful video for those just getting started. I personally started with the Chase Freedom Student and then moved into the Chase Freedom Unlimited. But if I was talking to someone just starting out and wasn't a student, I would recommend the Discover it first (secured or cashback versions), and then tell them to move into Chase right after that to avoid ever worrying about the 5/24 rule. Great video all around man!

[nickolasguile]

I currently have a Discover it secured and it hasn’t steered me wrong. Great for building starter credit.

[Dylan.Stroud]

Thank for the great video! I know quite a bit about credit cards but there was still some great information packed into one video! Keep up the great work John!

[jeanpaulpretto]

Loved this video John! Could you please do videos on the following:
- Business cards beginner to expert guide
- Business card utilization and if it matters for your business credit report like it does on the personal

[Pandinho]

One important thing you forgot to mention for the bilt credit card is that you must use it at least 5 times each billing cycle to earn the points.

[soumyadeepbidyanta]

Currently holding the Discover It Student version, absolutely love it.

[myleswinston]

My personal beginner credit card route was the Citi custom cash and Citi double cash. This let me get 5% back at restaurants (which was one of my higher spend categories monthly), and 2% back on everything else!

[MannyCovington]

Great info for someone starting off with credit!

[MoreofMaya]

THANK YOU SO MUCH!! I NEEDED THIS. I am going to get my first credit card soon and I will update you ☺

[EddieeDoee]

It’s a wild coincidence that I’m looking into credit cards today, saw your 2022 recommendations video, and then saw that you posted a 2023 video literally an hour ago. There must be a credit card in here for me lol

[Kivaskib]

enjoying your in-depth guide videos :) subscribed!

[cristina]

This video was very helpful, as a total beginner. Thank you!

[CesarJoel]

Agree 💯 with all suggestions! Would add the Well's Fargo Autograph.

[joshuawelch]

Thank you for spreading this great information 👍🏽

[CoachCeeCee]

I have the Discover it card and I love it so far I have nothing but positive things to say about it

[genovaz]

You can actually float a balance on a credit card without affecting your credit score too much. The most important thing is 1-maintaining a low utilization so you can't just carry balances on everything and 2- only doing so on credit cards where you're in a 0apr intro period. A majority of beginner cards these days have 12-18 month 0apr periods. So if you have a sudden expense - let's say you need to replace your car tires like I did - you can throw it on a new card to help meet the spend for your intro bonus, then set up automatic payments from your bank to pay out the balance through your 0apr period. As long as you manage your balance and are otherwise responsible with your spending its essentially a free loan.

[chris]

Great video. Looking to get an apartment at 22 and needed some good advice on how to get a loan or credit card and this really helped a lot

[mel-bjty]

Im just here trying to learn and gain better credit, took your advice as a beginner Just got APPROVED for the quicksilver card. Im excited for this (second) start and journey towards better credit ! Great video !

[trnikeem]

I have 4 of those happy to see I made the right choices

[tristonwebb]

The discover It card is essential to start off with purely bc the student will get you approved when you have no credit. I had no loans. nothing. So I had no credit and got denied on another card but discover it was boom done (with a low limit at that time so they won’t let you get to out of hand if that’s a worry)