Here are my Top 5 Best Credit Cards For Beginners In 2022, which will help build your credit score for the low cost of $0 – Enjoy! Add me on Instagram: GPStephan
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MY TOP 5 CREDIT CARDS FOR BEGINNERS:
1. 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. PETAL 2 VISA CARD
This one also has NO ANNUAL FEE, and they base your credit limit on your banking history – meaning, you have the potential of getting approved without any prior credit history, at all. Since they utilize your banking information, they also double as a personal finance app that calculates your payments, interest if you don’t pay off your balance, your monthly spending, and other personal finance tips to help you save money.
3. AMAZON PRIME REWARDS CARD
If you get the Amazon Prime Rewards Card – which requires you to have a valid Amazon Prime membership to get the full benefit, you’ll get a $100-$150 amazon gift card for signing up, and then you’ll get unlimited 5% cash back on all amazon and Whole Foods purchases, and 2% cash back at restaurants, gas stations, and drugstores…and then 1% cash back on everything else.
4. THE CHASE FREEDOM FLEX CARD
First, they’ll be giving you a $200 bonus when you spend only $500 on purchases within the first 3 months. 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.
5. CITI DOUBLECASH REWARDS CREDIT CARD
You’ll have no annual fee, and UNLIMITED 2% cash back on everything: 1% when you make a purchase, and 1% when you pay it off. Simple!
GUIDE TO GETTING A PERFECT CREDIT SCORE:
First, sign up for a free credit monitoring service like CreditKarma.com or CreditSesame.com.
Second, get yourself the Discover It Secured Credit Card…or, the Petal 2 Visa card if you get approved. From there, just put a few minor expenses on the card every week…and then, pay it off, in full, by the time it’s due…that’s it.
Third, after 6 months of doing that – add ANOTHER credit card to the list, like the Amazon Prime Card, Chase Freedom Flex, or Citi Doublecash. Then…do the same thing as the first step: put a few minor charges on the card, and pay it off in full by the time it’s due.
Fourth, after another 6 months of doing that – open the American Express Blue Cash Charge Card, and then – repeat the same process. You see how easy this is? ALWAYS PAY THEM OFF IN FULL.
Fifth, after another 6 months of paying on time – request a credit limit increases on all of your credit cards….even if you don’t need a higher limit.
Sixth, keep doing this consistently – and within 18-24 months, assuming you carry a zero balance and always pay on time…you should have a score above 740-780, which gets you the lowest interest rates any time you want to leverage your money, get a mortgage, rent an apartment, buy a car…or, do anything, really.
ENJOY!
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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
I applied for a credit one card thinking it was capable one got approved then I called and canceled the application would this effect my score?
Hello Sean, how long did it take to get approved and how long did it take for you to cancel after approval.
@TRANSUNION CONSULTANT exprian sent me a pre approval for it I thought it was capital one so I signed up for it and got approved for 300 then i seen it’s actually credit one I read the reviews seen they was all horrible so I called and canceled
@TRANSUNION CONSULTANT this was all within an hour
@Sean That’s fair since then have you noticed any decrease in your scores?
Around a year ago I believe you talked about the X1 credit card. Where does that compare to the petal card?
Amazon is from chase… i cant get it bec of that stupid 5/24 rule
Hello Airis, if you can get a good consultant now you’d be able to bypass that. But firstly do you have both a saving and checking account with chase?
@TRANSUNION CONSULTANT no i dont.
What are your thoughts on the wells Fargo active cash card? There are some changes to citi card and the wells Fargo one is just a 2% cash back card.
Your videos have helped me reach over $200,000 in stocks by age 23! Thanks Graham Stephan. Keep the videos coming. 👍🏽
@JonnyTruelove learn to fail don’t think everything is scam . you will never be successful that way
@white stone you’re scammer
@Tony Toledo are you okay?mind what you say
@andrew black aged well huh xD
@Grant Zimlich God bless
Hi thank/s for the video, question, do you have to use the card/s every month? and if you have let’s say 2-3 cards can you go for a few months without charging anything and not be penalized for lack of use? Another words do they expect you to use it EVERY month? if someone has limited spending aside from the basics. TY.
Very helpful; thanks Graham!
The Blue Cash Everyday Card is not a charge card, it’s a regular credit card.
Thanks for info going to give it a try
Any help for someone who can’t seem to get one bc of “severe delinquency” even tho it’s been years since then? I’ve gotten a better paying job, want to rebuild my credit but it seems even starter cards are difficult to get right now. Help is appreciated
Hello DeQuawn, I can understand your pain. Well, worry no more I can be of help to you. What is your credit score and are you willing to start building right away because you need to indulge in my consultation session so you can get insights to kick off immediately as for those delinquencies I will help get you sorted out in no time okay.
quick question! i got my first credit card & it is the freedom flex one by chase which one should be a good second credit card ? the citi double cash back ? or the american express card you mentioned
What was your credit score?
the chase credit card lets me swipe pay then i can swipe again if there is another car that lets me do this lmk’
Hey guys , I recently turned 18 so i wanted to open a credit card , however im not us citizen how can i open credit card that were mentioned in the video ? since i have to have social security number which i do not have at all . Any ideas or advice for ur fellow student up here ?
Hello ZNA, that’s a good move. I can help you with those but will have to indulge in a consultation session so I can ask a few questions before getting you started.
5:10 Them 200 only fans subscriptions add up
Crazy how it works compared to where i live
can you use these credit cards even if you dont live in the U:S ? 🙂
It was my understanding that the new business model does not prefer loyal workers that intend on staying put in their jobs. The new model is the “revolving door” of hiring new employees, using them while they are eager, then getting rid of them before it comes time for their raise. I don’t see why any worker would tolerate that business model and there is backlash to that business model. No one cares about their jobs or the consequences of doing subpar work. Why should they? There is no future for them. Plan your future settling up your Rot IRA and getting funds sent to it through *UniversalCreditSolutions🪐tech*
Picking a credit card soon before I run up the duplex hack 👀 rent one side out live in the other. I’m excited but I need the right credit card
recently got rejected by citi double cash card because my credit is too new even though its 740 and i had citibank as my bank since 2018
Hello Dankestvonmen, sorry to hear about that. I can help you get other credits approved in no time especially with Amex if you would be interested.
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *UNIVERSALCREDITSOLUTIONS🔴TECH* to my friends!
financial freedom,
thank you
I wish i saw this video earlier! I knew zero about credit cards cause my parents always told my brothers and I that credit cards are these terrible things that will screw you over and that we don’t need credit scores. Then my dad told me to get one last year after having to co-sign on an apartment with my brother who’s 28 and makes a lot of money but without credit they demanded a co-sign. So I was the first one thrown into the water without any knowledge on how it all works or a good one to get so I went with a Capital One platinum card and have a 500 dollar limit with my spotify set up on it. However I think im gonna get one of these as well and use it for my day to day spending so I can pay it in full every month. Thank you for the recommendations! Always love watching the vids for more knowledge! *UNIVERSALCREDITSOLUTIONS🔴TECH*
Scam
I couldn’t get any of them 🙂
Hello Thankyou, would you be willing if I can help you out, if you’re interested let me get you started especially for the Hilton Amex card. It won’t take much from you.
How come ?
@DiZzy DreaM I have no credit and they all said that for the reason
@thankyou dam I don’t have credit either
So what would be the best option if I do have a decent amount saved up
Hello John, would you be interested in the Hilton Amex card if so I can get you started immediately
@TRANSUNION CONSULTANT what’s the benefits of that card
@john wilson Look them up, and chose the best one that suites you. Some people prefer the Amex Hilton Aspire cards. Comes with $1000+ in value each year, a free weekend night upon account opening, etc look it up lol
I’ve just stated my clothing brand business yes ik this is a situated market, I’m in the process of trying to order inventory , and have apply for the chase ink .But was denied due to limited credit experience, business being too new & not enough capital any experience
Can this help me rebuild my credit if it’s a bit low?
I got rejected for discover card ):
What about medical school?!?!?!??! that will destroy your credit
What about cards from credit unions?
This was the best information that I have EVER come across. As a Financial Advisor I am always looking for people to support clients that have these issues and can explain what is going on without them “wasting” money with no results. I will definitely support this recommendation CREDITROYALE NET to all of my clients when I see they have a credit issue. I have been hood winked by so many companies and people in this line of business and I am excited that theyre a team of integrity to actually help people
I used this exact method to raise my credit score. I started with 640 score. My first card since starting this method was the capital one secured card, then chase freedom flex finally getting a Wells Fargo card. The last two cards gave me 200$ bonus cash and have cash back. I’m happy to say mybcredot score is now 768. It’s nice to know I can pull a load at anytime and not considered a risk. Very satisfying
Finally turn 18 and I just got approve on my discover credit card, and will continue to follow these steps towards being a responsible adults! Thank you Graham Stephan
a link for the cat hat. I also unironically like your “destroy the like button”.
I like to shout in my car, on my way to work, “Destroy that fucking like button! Commit a racial hate crime on that like button! End that like buttons family!”
You know. the usual exaggerated “like” phrases.
I love the Discover IT card. They gave me 5k credit line 😍 I couldn’t believe it
Just remember you don’t need to use all that 5k hahah. That’s how they get ya.
The sad truth of living in israel and looking at these credit cards.. wow i think we have Debit cards here that are called “ credit cards” ..
Nothing , even AMEX platinum offers shitty offers here, nothing like the mentioned cards or Chase and Capital One.
I can never get approved for the discovery it
Can I start my credit with the discover cash back credit card 💳 instead of the secured credit card 💳 Evan though I have no credit and want to start with the cash back credit card instead?
Thank you for making easy to understand!
I was hoping he mention Capital One Platinum CC🫤
Thanks bro I’m putting my credit in ur hands let’s see what happens homie!👀😅
Just so you know, my first credit card was approve after watching this video. Thank you.
You can make your credit card work for you. CR is a credit service that gives you the best credit services that you require, visit them and get in touch with a representative who’d tell you how you can get your credit card(s) to work for you instead of leaving them untasked. Very easy steps to follow, as long as you’re willing to make your cards work for you.
The AMEX blue cash card is not a charge card!! Get your facts straight
Thoughts on Zolve Credit card?
Is that a F40 in the back 🔥
My FICO score is around 650 and I’ve already been denied once for a discover card. I’ve also been denied by many prequalification’s. I believe the reason for this is due to the fact that I have student loans (which are not due for a couple of years). Should I attack those student loans first before I go back to apply for credit or is there another card I can try that would most likely accept my application?
Are you applying for the secured?
I love ur vids it’s amazing! You’re the best
I need a crad to get paired at payout I’m new so do all card allow you to cash out through apps ?
Grammm!
Can you please do a video on airline credit cards!
I have no credit history and no debt. Discover declined me
Dumb question is the discover cards accepted more because parents mentioned when looking at credit cards never go with discover
On only fans 😭😭😭
I just realized I’m listening to Phineas for financial advice
I have not yet started creating credit. In fact once i tried to buy something to create credit and it damaged it a bit without me having any. Could i still apply for the discover it unsecured card?
If I want to do a balance transfer, but don’t wanna pay the rates (just got a slate card instead of small repeated loans from other places) would it be better to use all my income to pay down the debt and put my living expenses to the card until the old balance is paid and the new one has the old balance? Feels right just wanna make sure haha
It’s 0 APR for 18mo and the other loans give me back the interest that would’ve been charged for paying earlier than a year/ 3mo
Very helpful ❤️
Hey I have the discover it secure for a year and two months, I am thinking about getting a second one but I’m not certain which exactly to get do you have any more tips or ideas.
I’m thinking about the Citi or the chase freedom. My credit score is good and I want to boost it even more
This method definitely works!
I had like 723 and then when I wasted the 500 worth of credit I had , it went down to like low 500😭😭 like what , apparently using all of your credit is bad man what
I would love to hear you discuss “buckets” and how someone just starting should handle being in a bucket.
+45%
I somehow got denied a Discover It secured. Yay
If you wanna buy things without looking at the price! Work without looking at the clock spend less invest more
@India Culture It was God who saved her through Sonia’s help, a friend of mine introduced me to her, she manages his account
I invested with her and I keep making $7000 every single week with her new strategy, I was able to pay off my debts in the hospital and save my daughter’s life
Not supprised to see her name mentioned here guess her talent speaks for itself
I started with the discover student credit card. I didn’t have any credit record nor my mom and all I did was use my college email
And basically got approved right away. Got my credit line to 1300 and I’m
Happy :))
Works
The best credit card Alliant Credit Union 2.5% cash back $10k limit per month, no annual fee, no foreign transaction fee
Are secured credit cards good for credit utilization. If you only use 10% of your deposit do you get your money back
Is it bad to have many credit cards? Because I think on some I won’t use them anymore, just getting them for the sign up bonus and to increase my credit limit.
amazing info
If I may…. I’d like to ask… are these videos for USA citizens only or do these credit cards apply to everyone around the world
Discover it is so good. It was my first cc but it isn’t secured. I got a 1500$ credit line
Thanks Graham!
I am a college student and I want to go with the Discover It card, but I am not sure whether I should go with the secured card or the student based one. Thoughts?
Man I applied for a lot of credit card I can never get one and it’s my first time so I don’t know what to do
only one of there were beginner cards…
what about Canadians…
Yes
+63
936
721
63
Solid advice 👌
5:10 had me wheezing 💀💀
Really needed this, thank you
Hey I got a question…If I have a $200 secured card does it matter if I keep paying it off once It says I can? If not then does that mean I can use it as much as I want aslong as I keep paying it off when it says I can? Asking cuz I ran into a situation where I had to use it cuz my debit card wasn’t accepted 🥲 140 of it was used. Groceries. (Discover debit card isnt accepted at some places but the credit cards are. Found that out the hard way as u can tell from what i said just now…)
There’s one thing I’m confused about. How does a $200 refundable deposit work? When is one able to get the $200 back?
So grateful for your videos!!!
I do not have any Experian credit score as I am new to credit card. I just did a credit card with navy fed today but it only pulled from my transunion. Do you think I can still apply for a credit card that pulls from Experian and be okay?
GRAHAM! Thank you so much for the education of credit cards I finally got approved for Bank of America!! I appreciate you and I’m liking and watching your videos always!!!!!
As if I were that stupid amazon 🙄. That annual us basically you paying for amzon prime, don’t full me.
Thank you for exiting
an awesome video… I found this very useful ! subbed ! a fellow creator ~~~….
Thanks dad
SO with the first option do we pay the minimum fee or pay it in full every month? just curious the best route to go. thanks
Jesus why can’t I find a video where the creator has an unbiased opinion of the credit cards. All of them earn a commission or something for advertising the cards. NO
My score is already at above 750 within a few months of getting the Discover It card!!
Got approved for platinum card yesterday by credit union ♥️ 🙃🙃 ♥️
Love your video clear steps! I have followed and I must say my credit has gotten so much better! Thank you so much
before having a credit card, do you need to have a debit card account?
nope! but you’ll need a bank account of some sort
⬆if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy….he really helped me he is reliable 100% guarantee…look up it his details at the top!!!
This guy looks like Ricky Gervais x Elon Musk
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Chime Credit Builder got my credit up 190 points in less than two years! Highly recommend
“get a 800 score for zero money…” “okay so just use 200 dollars of ur money on this secured card”
Hey there gram and everyone watching this information is really useful however as a lot of us I don’t live in the US and make the video a lot less helpful