My favorite beginner credit cards
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Starting your journey with credit cards can be overwhelming, but picking the right card can set you up for success. These cards are perfect for beginners because they offer straightforward rewards, manageable fees, and valuable perks that help you maximize your spending. Here’s why these are my top picks:
Chase Sapphire Preferred(R) Card: This card is often considered the top choice for beginners. Chase Ultimate Rewards points are versatile and can be transferred to various travel partners, making it an excellent entry into the world of points and miles. The annual fee is manageable, and the points are easy to earn and redeem. I love using them for Hyatt stays, where I regularly get 2 cents or more per point!
Capital One(R) Venture(R) Rewards Credit Card: This card is perfect for beginners who value simplicity. You earn 2x miles on every purchase, and redeeming miles is straightforward—just use them to cover any travel expense. Easy to use and understand, making it a great choice for those new to credit cards. Terms apply.
American Express(R) Gold Card: This card is an excellent choice for beginners who spend a lot on food. It offers 4X Membership Rewards points per dollar spent at restaurants worldwide on up to $50,000 in purchases per calendar year. These points can be transferred to numerous airline and hotel partners, adding even more value. I also love connecting this card to Rakuten for additional rewards. Terms apply.
If you’d like my free beginners guide, click here!
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
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Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers.
