5 BEST Credit Cards For Beginners (2022)

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Apple Card

The Apple Card is extremely user friendly. It has a very clean user interface and is managed entirely from the wallet apple on your iPhone. The best thing about applying for the Apple Card is the fact that apple will let you submit the application to see if you're approved without have a hard pull done on your credit report.

The Apple credit card allows the card member to earn Daily Cash Back at varying rates between 1-3%. The worst way to use the Apple Card is to literally use the Apple Card. Seriously using the physical titanium card only earns you 1% cash back on all transaction, but using Apple Pay instead earns the user 2% cash back. The Apple Card also earns 3% cash back in select categories again when using Apple Pay.

Citi Double Cash

The next card on the list is going to be there Citi Double Cash card from Citi Bank. This card earns 1% when you buy and another 1% when you pay making this a flat 2% cash back card all for no annual fee.

The double cash card isn't offering a welcome offer but when you apply and are approved, your first 18 months of card membership you will have 0% APR on your card. This is a great benefit but remember just like with the Apple Card be careful to not carry to high of a balance in comparison to your overall utilization rate. Your goal should be to keep utilization less than 20% at all times. Less than 10% is the best however.

Discover It Cash Back

The Discover It Cash Back earns 5% cash back on everyday purchases at different places each quarter such as Amazon, grocery stores, resataurants, gas stations, and more. Each quarter there are new 5% cash back categories and you can earn the full 5% back on up to $1,500 spend in each quarter. If you maxed out the 5% cash back categories each quarter tat would equate to you earning $75 back each quarter or $300 in year 1.

But the awesome part about about getting this card is what Discover calls the Cash Back Match. After your first year of card membership, discover will match 100% of the cash back you earned. So essentially if you earned $300 in year one then after that first year discover will give you an additional $300. There is no cap on how much you can earn and how much can be matched. It is all based on how much you spend

The Cash Back match means that you'll be effectively earning 10% cash back in the 5% categories and 2% back on everything else in your first year of card membership.

Chase Freedom Flex

The Flex is currently offering 0% APR for the first 15 months of card membership. Just like with the other cards in this list offering similar 0% APR, be cautious how you use this. And of course this card also has no annual fee.

Citi Custom Cash

The Citi Custom cash is a 5% cash back credit card like he Discover It and Freedom Flex, but instead of relying on quarterly rotating categories, YOU are in charge of deciding which category you want to earn the 5% back in. Each month, whichever category out of these listed on the screen that you spend the most in, you will earn 5% cash back on up to the first $500 in spend. All other spend will earn you 1% cash back.

Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which, Mark Plymale, will earn an affiliate commission or referral bonus.  Mark Plymale is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
 
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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