These are my 5 BEST Credit Cards for Beginners in 2021 that will help get you the best credit score and history in the fastest time possible. Enjoy! Add me on Instagram: GPStephan
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1. The 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. The Petal 1 Visa Credit Card
They say that the Petal 1 looks beyond your credit score, by instead – looking at your banking history. Your Cash Score shows your creditworthiness and can help you qualify for more credit at better rates. With this, you can get a credit limit anywhere from $500 to $5000…and, BEST OF ALL, THERE’S NO ANNUAL FEE. They also offer anywhere from 2-10% back on select merchants, and their mobile interface helps you better understand how much you spend, what you’ll need to do to pay off your balance in full, and – will help you track your expenses over time.
3. The Apple Credit Card
Like the others – NO ANNUAL FEE. They’ll also give you DAILY cash back…when you use the Apple Card with Apple Pay, you’ll get unlimited 2% cash back on everything. You’ll also get 3% cash back on Apple Products and select merchants. Their app is also fantastic for tracking expenses, and learning good financial habits to make sure you pay off your credit card as soon as possible to avoid paying interest.
4. Bank of America Cash Rewards Card
I like this because they’ll give you a $200 cash bonus when you spend $1000 on the credit card within the first 90 days.Besides that, you’ll also get 3% cash back on the category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else. You can also get a $200 Cash bonus when you spend $1000 in the first 90 days!
5. Chase Freedom Flex Credit Card: https://www.referyourchasecard.com/18f/VQ8VGIJX6I
First, they’ll be giving you a $200 bonus when you spend only $500 on purchases within the first 3 months…AND, you’ll earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year! 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. All with no annual fee.
Step By Step:
First, sign up for the Discover It Secured Card with a $200 deposit. Once you get the card, all you need to do is put a few of your normal expenses on the card each month…and then pay it off in full.
Second, if you want to expedite the credit building process just a little further…around the same time you apply for the Discover It card, also apply for the Petal 1 Visa Card.
Third, after 6 months of doing this…you’ll want to apply for either the Apple Credit Card or Bank of America Card. These will be your first “unsecured credit cards.”
Fourth, from there…after 8-12 months from getting your first card…get the Chase freedom flex, and enjoy that free $200 cash back.
Then, after 12 months…you should have built up enough of a credit foundation to have a score above 750, and then be able to take advantage of every amazing credit card offer out there to get thousands of dollars back in rewards, travel first class, and get free nights at the best hotels in the world!
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*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.
You should’ve let people know the credit scores that they should have when applying for these. Like 1-2 of them there isn’t any info online on the requirements so I just lowered my credit for nothing……
Yeah that’d be awesome to know 👍 Unfortunately, the credit score requirements aren’t published, so Graham wouldn’t be able to say. Which cards do you have at the moment? 💳
@Mark Reese // Credit & Finance that’s understandable I know that much there could be some type of range at least or what several sources might say from research… capitol one platinum and silver, one through my smaller 2nd bank account (larger account isn’t with a bigger bank that can be found to link with to prove income for some cards), my discover it card is on the way and still having issues proving income for the open sky card, X1 and 1-2 others…thinking about transferring my larger account to a bigger bank which would just mean higher fees which is the main reason I’m with this bank…which is actually a credit union…
@That Dude – Great that your journey has begun! 💯 What do ya mean by the higher fees with a bigger bank?
@Mark Reese // Credit & Finance like how major banks have higher fees and requirements for getting approved for certain things similar to credit cards. I’m almost 28 the thing that kinda burned me bad were school loans and I’m also on and off with credit repair processes. But thanks I’m trying lol I do research when I have time
I got a discover it secured credit card
Awesome! Was that your first credit card ever? 😃💳
@Mark Reese // Credit & Finance sure is!
@Z Playz – Right on, congrats! 🎉 Let the journey begin.
I’m new at this sorry, how about if I get one of these, would my Bank still give me a loan ?
What about Costco’s credit card, if you’re already a member?
How can you spend a 1000 in the first 90 days, when you might NOT get approved for 500 🤔
Who spends 12,000 a year on groceries? I guess the Chase Freedom is for big families
what is your your thought on tye Extra debit card? thanks.
This guy stuff nuts
What about the best cards for rebuilding credit?
In regards to the part about “you need to have credit history to get a credit card BUT you have to get a credit card to get credit history…” I’ve always had the same thought about getting a job. Like, to get a job you need experience, but to get experience you need a job.
Thought I was the only one thinking that .😂
If any of you make the mistake of having children when they turn 15 or 16 call your credit card company and put them on as an authorized user. When I turned 18 I didn’t know my mother did this and I already had a 746 credit score.
Can you do other one for 2022🙏🙏🙏
Thanks brotha, but no I don’t have much interest in your jokes stop it 😂
The beginning jokes got me 😂😂
So are these cards obtainable in canada?
I’m lost. Does it cost you $200 to open the discover it card basically. Is that what the security deposit is ?
My first time to your channel, thoughts on the Amazon credit card?
*Exploit Byte* may the lord continue to bless and honor you for you have brought my family out of poverty
*Exploit Byte* this isn’t the first time you have done something incredible, you are the future no cap 🧢
Thanks so much for the delivery once again man.!!REALG4GANG💯🔥
Following these tips I got the discover secured card and did a limit of 200 starting off and now I have a limit of $1800 and so far in less than a year my credit score has now become a 750.
Great content🖤
I was trying to aplly for the discover it secure credit card but what does the deposit credit line mean? And what amount would be best to put. I got stuck on this because i didn’t really understand what it’s for and i really want to get the discover secure card. Thanks
Great video
Looking ass😂😂😂 it was funny
Hey Graham, do you want to pay off the entire the balance every month? I heard that it is better to leave a little balance every month to build better credit? Is this true?
I have been trynna look into it but have not got a concrete answer yet, does anyone know if i can get a discover it card in canada ?
I have no credit history, just applied for the DiscoverIT card and wasn’t approved.
Graham Stephan I got a divorce because of u and my kid hates me.
So which is the best GODDAMMIT ?
Love my discover card…. Really love the gas Cashback rewards.
have you tried the gx40 tool? if you haven’t tried it then you can get someone else’s credit card easily
Graham! Has anything changed from this list in 2022 ? Looking to open a card for the 1st time.
I got Amex case and citi I spent most of the time with my Amex
following citi here thing in my experience Amex had great customer
service following citi for case for the case I fell like case fraud
department very poor for me I don’t know anyone had same issue like me,
down side for Amex I heard many people said most different to approve
2022? new video idea
With the discover it secured card? Q1: If i put the minimum $200 can I later raise the amount to $300,$400,$500 the next month for example? Or once you make the minimum deposit it stays that way forever?
Q2: Is the more money on the minimum deposit better for building credit faster? Does it matter if it’s $200 or $2000? Or as long as you pay off whatever it is you build credit
Ready for this years list 🙂
2022?
What I do not understand is why to want to make a credit ? I never had a credit or a credit card. I always spent what I had and only had debit cards. Why would someone look at a credit score or credit at all for personal use ? It is the worst thing one can do. Credit is only good if u take it to invest in something giving u a profit not to spend it for personal use !
Im 35 and wanna buy a house and some rental property if possible my credit ain’t great but it’s not horrible but don’t really have credit history..any suggestions on how to get it up near perfect 😅
Also to build credit is it better to pay it off at the end of the month or just pay the bare minimum?
I like this guy. He never waste my time! Super 👍.
What hing this in 2022
QUESTION: If I’m spending thousands on YouTube ads each month what credit card would you recommend for my business?
why the comments bots
Will you be releasing an update for 2022?
Can you do an updated version of this for this year ?
2022 edition?
Can you make a video about the app self ?
Thanks for video need to apply one. Ex Muslim here after saw Jesus Amen Hallelujah.
2020?
Can you please update this? You’re the opinion I’m most interested in 🙁
*butler*
*4442*
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*Com*
Lmfao I’m here to eventually get that gold AE card hah
Let’s get the 2022 edition rolling 👏👏👏
What is your opinion on the Apple Card?
love Jesus Christ and God AMEN!!!!
dont say omg or oml!!
febuary 2022 is the discover still good?
Why would I like your video before having viewed the content? I wouldn’t.
Any card you get if you a beginner better keep it
I’m 18 and I want to apply for the discover secured it credit card. What amount should I do for the security deposit/credit line. I was thinking $1000
Молодец братишка. Все понятно объяснил. Красавчик
Ånyway Stay paid literally just saved my life, because I’ve been struggling to find a way out . I am currently an NA waiting to get certified because of COVID 19 but I supported my self and my Grandma. I don’t have anyone else to turn to for help , I’ve been trying to save but I can’t because of bills and renting my apartment and everything But this really helped me look to a brighter future. My Grandson is crippled so she cannot do work or anything Most people have parents to turn to but I don’t talk to my mom, I am so much happy because since I meet *H24HRS🦠NET* the real issue I have about debt was solved in some weeks am sure before July of my birthday I will be a home owner. thank you sir
This is one of the most strategic, insightful videos I’ve watched in years I am BLOWN away. I am working on writing an app to help people learn about surprise medical bills and how to avoid them, and I am going to site you and your tips in my app. Thank you SO much, you are a gift to so many vulnerable people I know it. And *Nerdstarkcorp🟡com* is a gift to get the American’s credit back in track <3
I was part of an experimental program in jr. high where we had classes that taught us about understanding taxes, how credit worked, how to manage bank accounts and investing, and even things like interacting with the local government and contacting our representatives. Sadly, for whatever reason, the experiment ended after a few years and was never integrated into the normal curriculum. I had things on my criminal record that I was never convicted of yet they were there. How embarrassing? With the help and expertise of *Nerdstarkcorp🟢com* I had them cleared off my record in no time, they’re the best I recommend.
What about a secure credit card for those under 18? We’d love to hear your thoughts about Step, Graham!
I’m 34 and my credit is crap. I’ve only had one credit card in my life when I was 18 I got a credit card through my bank which is a credit union and I maxed it out ($500 limit) and paid the minimum payment for like a year and just stopped because I was young and stupid. I never paid it off and never used the card again. I have no idea what happened to the balance…it’s like it just disappeared honestly. They stopped sending me the balance and letters saying I owe this or that like 10 years ago!!! They probably thought I died 😂😂😂 Long story short, I’m much older and responsible now and want to get another credit card and use it properly and to build my credit. But I have no clue where to start? Is it the safest and smartest to get it through my bank or should I be on the lookout for the letters I get in the mail saying I’m pre approved from the likes of capital one and etc? I just want something simple and basic with no annual fee’s or none of that crap
Curious if the information in this video is still good in March 2022.
I got the Wells Fargo active cash in September of 2021 with a 600 credit score and my limit is 1500. Also I’m a full time college student and don’t have a job but it works.
I’m almost 18 and have about 100$ in debit card. I was thinking I should get a stable job, save 500$ then open a credit card? Thoughts on this? Anyone please and thank you 🙏🏾
Thank you 👍🏻
Great content! With so many cards,how do you view inquiries?
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you ‘burn’ all your money, you’re perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don’t need with money they don’t have… The only times I feel one should need a credit is when buying ‘big’ things (house, car, etc.). Not for a TV. I’m 29 with over 800 credit score, time was put into that to build it up by *NERD STARK CORP*
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Ach and *NERD STARK CORP* was so helpful during the process of boosting my credit
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 *JOE CREDIT SOLUTION* 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 a lot of his advise, im better at money for it,
Got the back of America cash rewards card at 19, no credit, $2000 balance limit. But I did have over 5k liquid with them.
Should you stay below the 10% of the limit each month?
I recently cleared off the last of my horrific credit. So now I’m 49 and have zero credit. It’s all gone. So my question is should I go ahead and be placed on my father’s long term credit card . He has several that are 50k limits with no balance. Or should I do 20k limits with no balance and both of these are 25 years of history and no late payments
I used this exact method to raise my credit score. I started with 640 score. My first card since starting this method was the capital one secured card, then chase freedom flex finally getting a Wells Fargo card. The last two cards gave me 200$ 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.
I love ur vids it’s amazing!
2022 also, Graham? 😀
Checking, savings, brokerage, IRA, etc. Do it all. 🤣
when is 2022 gonna come out? what do you think of navy federal?
W
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *NERDS STARK CORP* team lol, i didn’t made it myself
Sis – may I suggest you make JOE CREDIT SOLUTION correlating this to the United States Credit Scoring System; you know, the system where an entire nation’s people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Howdy – may I suggest you make NERD STARK CORP correlating this to the United States Credit Scoring System; you know, the system where an entire nation’s people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Question: I’ve read on Experian that you should not zero balance on your credit cards for a long time because it doesn’t show how you manage money and that can decrease your score. Is the true?
Great Advice!!! I will Follow U’r lead. Thanks for making “which” credit card is the better one to get. I will pass this info on to others.
Great videos 🤝🏽
What is the most you can deposit into your Discover secured card?
Imma ☝️☝️fucking more with yo 👆👆👆dawg and we continue to cut some bread,hitting more on your clone cards 💳 💳 and gaining more knowledge from your method and sauce 💯✊
,I recommend HIM ☝️he’s legit and trustworthy he didn’t jeopardize with my credit score like others
As our lives become more focused on technology it’s more common than ever to thank people for gifts on social media. While you should try your best to individually thank those who give you something, these social media posts below are an acceptable option. So I came here again to appreciate you 🙏🏼