1.Chase Freedom Rise®
Chase
- 5%Cash back on travel purchased through Chase Travel
- 3%Cash back on dining and drugstores
- 1.5%Cash back on all other purchases
Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account.
Earn unlimited 1.5% cash back on all purchases, 3% on dining and drugstores, and 5% on travel purchased through Chase Travel.
25.24% Variable APR
The Chase Freedom Rise stands out as the top choice because it offers a straightforward rewards structure that is ideal for beginners looking to build credit while earning cash back on everyday purchases.
Pros:
- No annual fee
- Good for building credit
Cons:
- Lower rewards on non-bonus categories
- Limited to Chase Travel for higher rewards
2.Zolve Classic Credit Card
Zolve
- 1%Cash back on all purchases
Typically offers new users a $50 welcome bonus upon approval and completion of their first transaction.
Offers 1% cash back on all purchases.
16%-35%
What sets the Zolve Classic apart is its accessibility for newcomers to the U.S., allowing them to build credit without needing a Social Security Number, making it a unique option for international students and professionals.
Pros:
- No SSN required
- High credit limit potential
Cons:
- Limited rewards structure
- Variable APR
3.Capital One Platinum Credit Card
Capital One
- No rewards breakdown available
N/A
No rewards, points, or cash back.
28.99% Variable APR
The standout feature here is its focus on helping individuals with fair credit build their credit history without the burden of annual fees or rewards, making it a straightforward choice for credit rebuilding.
Pros:
- No annual fee
- Automatic consideration for a higher credit line
Cons:
- No rewards
- High APR
- 1.5%Cash back on rotating categories
N/A
Earn 1.5% cash back on rotating categories.
0%
This card shines for its unique approach to credit building, offering a secured option with no interest and the ability to earn cash back, making it an excellent choice for those looking to establish or rebuild their credit.
Pros:
- No credit check
- No interest charges
Cons:
- Limited to cash back in rotating categories
- Requires a security deposit
5.Discover it® Secured Credit Card
Discover
- 2%Cash back at gas stations and restaurants
- 1%Cash back on all other purchases
Automatically matches all cash back earned at the end of your first year.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter, and unlimited 1% cash back on all other purchases.
26.49% Variable APR
The Discover it® Secured Credit Card is the best option for those looking to earn rewards while building credit, thanks to its unique Cashback Match feature that doubles all cash back earned in the first year.
Pros:
- Cashback match in the first year
- No annual fee
Cons:
- Requires a security deposit
- Higher APR
Final Words
As you explore the best starter credit cards with no credit history this March, remember that your choice can significantly impact your credit-building journey. Take time to compare your options carefully, considering factors like rewards, fees, and approval odds, to make an informed decision that aligns with your financial goals.
Frequently Asked Questions
The Chase Freedom Rise® credit card offers a welcome bonus of Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account.
With the Chase Freedom Rise® credit card, you can earn unlimited 1.5% cash back on all purchases, 3% on dining and drugstores, and 5% on travel purchased through Chase Travel.
Yes, the Zolve Classic Credit Card typically offers new users a $50 welcome bonus upon approval and completion of their first transaction.
The Zolve Classic Credit Card offers 1% cash back on all purchases, making it a straightforward option for earning rewards on everyday spending.
The Capital One Platinum Credit Card has an annual fee of $0, making it an attractive option for those starting their credit journey.
When choosing a starter credit card, consider factors such as annual fees, rewards rates, and any welcome bonuses. Assess your spending habits to find a card that maximizes your benefits without incurring unnecessary costs.
Eligibility for starter credit cards usually includes being at least 18 years old and having a valid Social Security number. Some cards may also require you to have a basic income or employment to prove your ability to repay.
Many cashback credit cards have no annual fee, making them accessible for most users. However, be aware of potential late payment fees and interest charges if you carry a balance.
