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Finder’s credit card experts spent hundreds of hours comparing more than 400 credit cards to serve you the best first credit cards. To make the choice even easier, we selected the top four cards that stood out with features such as no credit check, alternative credit card approval criteria, low fees and rewards.
Up to 1.5% cashback and no fees
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Prequalify without impacting your credit
Petal® 1 "No Annual Fee" Visa® Credit Card
1% cashback with no credit required
Jasper Mastercard®
1% cashback for college students
Deserve® Edu Card
There are two main factors to consider to find the right card for your financial situation:
The minimum age you can apply for a credit card is 18, although you can be added as an authorized user to another credit card account as early as 13 and 15. This is most common credit card choice for teens.
Those who are 18 to 21 can apply for a credit card under 21, but must prove they can independently pay the card bill. Any income would work as proof, such as scholarships and grants or wages, if you have a job.
For those who are 21 or over, federal law doesn’t require proof of the ability to pay the card bill. Typically, credit card providers don’t ask you for this information, but they may do so if they’re unsure if you can repay your card bill.
Here are a few factors to consider before applying for a credit card. In many cases, they’re more important than your age.
If you’re ready to apply for a new credit card, there are several ways to increase your chances of approval. You can start by comparing credit cards so you can find an option that suits your situation. Then check the eligibility requirements and get all the necessary details and documents together for the application.
All credit cards have different eligibility requirements. Because of that, make sure to compare cards geared toward applicants new to credit.
When used responsibly, credit cards can become a convenient, practical and valuable part of your adult finances. If you play your cards right, they may even help you get approved for a home loan or other financial products in the future. And once you’ve become comfortable handling your credit card, consider scoping out a top-rated secondary card that perfectly complements your first.
If you haven’t found the best credit card for your needs, compare other credit card options until you do.
Back to topShopify merchants may be able to get funding without a credit check.
If you don’t need your money right now, consider investing in an HSA, blue chip stocks and more.
Earn credits while taking care of your vehicle.
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Our picks for the best no-annual-fee cards.
Dashers can get instant access to earnings, plus 2% cash back at gas stations with this prepaid card.
You need to be a member to access this credit union’s high interest rate options.
Current Revolut users can get a free prepaid card for their kids between the ages of 12 and 17.
You might be able to apply for more funding on your PPP loan, get a second PPP loan or take advantage of a new grant program.
Earn up to 2.5% back in rewards and get free shipping.